PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Huntington Banks of Michigan

Troy, MI · Cert 23791

FDIC

Q1 1997

$2.1BAssets
$1.2BLoans
$1.9BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.57%, down 17 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 62.48% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

1.57%-17 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets1.66%1.69%1.71%1.75%1.75%1.77%1.80%1.57%-17 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)16.50%20.98%19.90%15.80%8.96%5.04%4.71%3.79%-1,200 bps
Loan Growth (YoY)17.35%14.50%14.53%12.27%10.96%12.56%12.65%9.97%-230 bps
Deposit Growth (YoY)18.05%20.70%21.96%15.11%8.49%3.58%3.68%5.06%-1,005 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits60.25%58.45%60.51%59.69%61.63%63.52%65.75%62.48%+279 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a