Detroit, MI · Charter 61443
Q2 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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.73% | 3.22% | 3.02% | 1.50% | 3.20% | 2.79% | 2.96% | 0.33% | -118 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 | 15.59% | 19.15% | 19.94% | 20.69% | 1.32% | -2.72% | -5.34% | -2,527 bps | |
| Loan Growth (YoY) | n/a | -7.40% | 23.78% | 29.68% | 39.86% | 37.89% | -5.58% | -7.94% | -3,762 bps | |
| Share Growth (YoY) | n/a | 14.15% | 20.18% | 22.24% | 22.41% | 1.12% | -4.63% | -7.28% | -2,952 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.92% | 11.40% | 5.43% | 6.08% | 14.70% | 12.95% | 15.26% | 15.71% | +962 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 | 2.71% | 1.32% | 2.05% | 2.13% | 2.31% | 1.63% | 1.78% | 1.98% | -15 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 | 48.34% | 41.52% | 56.50% | 55.00% | 55.24% | 56.62% | 55.93% | 54.60% | -39 bps | |
| Liquid Assets / Assets | 37.31% | 0.00% | 23.41% | 42.54% | 34.85% | 45.03% | 41.22% | 34.49% | -805 bps | |