Detroit, MI · Charter 3372
Q4 1998
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 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.86% | 3.82% | 3.16% | 4.19% | 3.43% | 4.71% | 2.86% | 2.99% | -120 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 | n/a | -5.13% | -15.70% | -16.57% | -8.66% | -13.16% | -5.18% | +1,052 bps | |
| Loan Growth (YoY) | n/a | n/a | 23.17% | 12.65% | 0.20% | -10.79% | -21.42% | -25.96% | -3,861 bps | |
| Share Growth (YoY) | n/a | n/a | -7.98% | -18.99% | -19.74% | -12.01% | -16.84% | -7.97% | +1,101 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.82% | 1.88% | 1.29% | 3.87% | 3.17% | 2.83% | 3.06% | 3.67% | -20 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 | 3.81% | 3.82% | 3.57% | 3.84% | 2.89% | 1.77% | 2.09% | 3.13% | -71 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 | 66.77% | 81.06% | 80.20% | 94.97% | 83.35% | 82.19% | 75.78% | 76.41% | -1,856 bps | |
| Liquid Assets / Assets | 33.49% | 26.72% | 24.63% | 21.42% | 19.75% | 22.00% | 37.40% | 28.25% | +683 bps | |