Port Huron, MI · Charter 21961
Q2 1999
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.52% | 3.10% | 3.25% | 1.97% | 2.63% | 2.87% | 3.12% | 2.69% | +73 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -0.14% | -7.17% | -5.89% | -1.61% | -10.60% | -7.54% | -7.28% | -139 bps | |
| Loan Growth (YoY) | n/a | 38.47% | 19.44% | 2.31% | -15.58% | -13.58% | -10.77% | -2.47% | -477 bps | |
| Share Growth (YoY) | n/a | 1.10% | -9.06% | -7.55% | -2.48% | -11.55% | -9.64% | -11.74% | -420 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.66% | 1.19% | 1.37% | 1.03% | 1.22% | 0.60% | 0.96% | -41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.67% | 0.63% | 0.25% | 0.94% | 0.98% | 0.90% | 0.98% | 0.96% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.59% | 77.60% | 77.32% | 70.44% | 66.30% | 75.82% | 76.35% | 77.84% | +740 bps | |
| Liquid Assets / Assets | 31.01% | 29.10% | 28.06% | 35.87% | 39.90% | 30.41% | 30.58% | 31.65% | -421 bps | |