Drayton Plains, MI · Charter 61349
Q2 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 1.80% | 1.88% | 2.42% | 2.70% | 2.90% | 2.70% | 2.42% | 0 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | 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 | n/a | n/a | -13.17% | -19.35% | -14.50% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 47.89% | -8.56% | -18.37% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -16.02% | -19.32% | -10.99% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 0.73% | 0.87% | 0.68% | 0.53% | 0.26% | 0.01% | 4.59% | +391 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 0.63% | 1.05% | 1.20% | 0.66% | 0.58% | 0.54% | -50 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 45.14% | 63.27% | 76.93% | 94.80% | 79.50% | 71.70% | 70.55% | -638 bps | |
| Liquid Assets / Assets | 52.84% | 37.32% | 25.19% | 7.24% | 21.62% | 33.07% | 20.86% | -433 bps | |