St. Joseph, MI · Charter 61714
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 | 3.56% | 3.76% | 3.69% | 3.81% | 3.16% | 3.36% | 3.31% | 3.11% | -70 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 | 2.87% | -1.76% | -6.57% | -6.49% | -3.85% | -0.58% | +118 bps | |
| Loan Growth (YoY) | n/a | n/a | 9.38% | -1.01% | -3.44% | -5.36% | -9.18% | -13.18% | -1,217 bps | |
| Share Growth (YoY) | n/a | n/a | 0.72% | -4.11% | -8.86% | -7.86% | -4.86% | -0.93% | +318 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.42% | 1.22% | 0.73% | 1.13% | 0.90% | 0.94% | 0.79% | 0.62% | -51 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 | 2.10% | 2.05% | 1.63% | 1.42% | 1.30% | 1.29% | 1.30% | 1.31% | -11 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 | 68.49% | 73.28% | 70.43% | 73.72% | 72.56% | 75.27% | 67.23% | 64.60% | -912 bps | |
| Liquid Assets / Assets | 12.73% | 18.42% | 21.55% | 23.18% | 27.59% | 24.43% | 21.97% | 25.67% | +249 bps | |