Frankenmuth, MI · Charter 60612
Q4 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.01% | 4.03% | 4.21% | 4.38% | 4.08% | 3.99% | 3.96% | -1.29% | -567 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 | 3.40% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 136.28% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.81% | -3.89% | 0.42% | -0.23% | -0.03% | 2.69% | -2.53% | -7.73% | -750 bps | |
| Loan Growth (YoY) | 103.38% | 54.39% | 32.35% | 31.09% | 24.26% | 8.00% | -8.84% | -34.66% | -6,575 bps | |
| Share Growth (YoY) | -11.54% | -7.37% | -1.70% | -3.07% | -3.24% | 2.27% | -5.44% | -8.00% | -494 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.32% | 1.65% | 0.54% | 2.22% | 4.02% | 3.32% | 7.34% | 15.63% | +1,341 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 | 0.90% | 0.83% | 0.85% | 0.71% | 0.74% | 0.50% | 0.22% | 4.53% | +381 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 | 33.90% | 37.65% | 37.01% | 46.21% | 43.54% | 39.76% | 35.68% | 32.82% | -1,339 bps | |
| Liquid Assets / Assets | 24.56% | 22.66% | 30.21% | 26.52% | 24.50% | 15.30% | 44.21% | 45.85% | +1,932 bps | |