Highland Park, MI · Charter 60260
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 | 3.65% | 4.00% | 4.17% | 4.04% | 2.89% | 2.20% | 2.16% | 2.89% | -115 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 | -23.55% | -24.87% | -19.22% | -12.93% | -4.54% | -4.26% | +2,061 bps | |
| Loan Growth (YoY) | n/a | n/a | 28.53% | 3.89% | -13.11% | -28.05% | -29.77% | -31.20% | -3,510 bps | |
| Share Growth (YoY) | n/a | n/a | -27.59% | -28.97% | -22.67% | -14.54% | -4.05% | -3.46% | +2,551 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.47% | 4.55% | 4.69% | 6.11% | 7.43% | 4.50% | 2.28% | 2.46% | -365 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 | 4.77% | 4.83% | 2.87% | 2.38% | 1.89% | 1.94% | 1.86% | 2.11% | -27 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 | 57.54% | 73.44% | 79.57% | 81.16% | 64.65% | 61.83% | 58.24% | 57.84% | -2,332 bps | |
| Liquid Assets / Assets | 49.52% | 32.42% | 18.80% | 28.90% | 39.65% | 36.92% | 44.97% | 42.88% | +1,398 bps | |