Detroit, MI · Charter 61868
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 | 2.44% | 2.79% | 4.50% | 3.66% | 3.71% | 1.27% | 2.45% | 2.27% | -138 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 | -11.39% | -8.78% | -5.93% | -4.21% | -4.90% | -19.45% | -1,067 bps | |
| Loan Growth (YoY) | n/a | n/a | 44.73% | 31.16% | 10.25% | -1.37% | -17.06% | -29.56% | -6,072 bps | |
| Share Growth (YoY) | n/a | n/a | -14.90% | -13.23% | -9.72% | -5.71% | -6.62% | -21.91% | -868 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.33% | 6.64% | 4.24% | 5.51% | 2.62% | 7.70% | 0.12% | 6.84% | +133 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 | 3.46% | 2.00% | 4.45% | 4.10% | 4.46% | 4.42% | 5.37% | 4.34% | +24 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 | 69.41% | 81.45% | 78.58% | 83.58% | 84.75% | 85.20% | 69.80% | 75.39% | -819 bps | |
| Liquid Assets / Assets | 35.33% | 25.81% | 24.40% | 23.32% | 23.64% | 22.52% | 35.81% | 36.55% | +1,323 bps | |