Taylor, MI · Charter 61203
Q4 1999
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.23% | 3.36% | 3.34% | 3.51% | 3.20% | 3.52% | 3.37% | -8.98% | -1,249 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 | 4.63% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 251% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.76% | 5.73% | 9.25% | 15.87% | 20.77% | 22.70% | 18.58% | 2.03% | -1,384 bps | |
| Loan Growth (YoY) | 53.39% | 39.88% | 31.89% | 38.06% | 27.91% | 22.40% | 20.60% | 12.96% | -2,510 bps | |
| Share Growth (YoY) | 3.80% | 3.82% | 7.60% | 14.88% | 21.19% | 23.19% | 18.74% | 11.73% | -315 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.56% | 1.54% | 0.37% | 0.58% | 1.17% | 1.06% | 0.29% | -9 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 | 0.51% | 0.25% | 0.88% | 0.56% | 0.69% | 0.29% | 0.53% | 0.74% | +18 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 | 53.11% | 58.48% | 58.23% | 66.50% | 56.06% | 58.11% | 59.15% | 67.24% | +73 bps | |
| Liquid Assets / Assets | 32.68% | 35.00% | 30.26% | 16.93% | 30.43% | 19.01% | 25.14% | 16.46% | -47 bps | |