Livonia, MI · Charter 60256
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.74% | 0.82% | 0.72% | 0.75% | 0.13% | 0.40% | 0.38% | -34 bps | |
| Return on Equity | 1.89% | 4.46% | 4.97% | 4.17% | 4.31% | 0.80% | 2.38% | 2.16% | -201 bps | |
| Net Interest Margin | 4.92% | 4.74% | 4.73% | 4.90% | 4.90% | 4.29% | 4.26% | 4.45% | -45 bps | |
| Efficiency Ratio | 89.80% | 85.22% | 86.42% | 86.53% | 86.57% | 92.09% | 91.91% | 90.51% | +398 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.43% | 14.57% | 6.62% | 5.41% | 5.41% | 3.43% | 1.75% | 1.79% | -362 bps | |
| Loan Growth (YoY) | -5.49% | -11.63% | -11.11% | -7.60% | -8.83% | -2.73% | -1.81% | -3.58% | +401 bps | |
| Share Growth (YoY) | 3.00% | 16.63% | 7.28% | 4.96% | 6.14% | 3.69% | 2.14% | 2.22% | -274 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.41% | 1.25% | 0.37% | 1.19% | 1.43% | 1.59% | 1.99% | 1.91% | +72 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 | 1.22% | 1.19% | 0.99% | 1.11% | 1.07% | 1.30% | 1.04% | 1.27% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.61% | 16.61% | 16.53% | 17.15% | 17.46% | 16.63% | 16.75% | 17.33% | +19 bps | |
| Net Worth / Assets | 17.61% | 16.61% | 16.53% | 17.15% | 17.46% | 16.63% | 16.75% | 17.33% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.10% | 50.47% | 48.61% | 51.64% | 50.76% | 47.34% | 46.73% | 48.71% | -293 bps | |
| Liquid Assets / Assets | 36.36% | 48.61% | 46.28% | 33.44% | 28.78% | 38.10% | 31.50% | 30.80% | -265 bps | |