Livonia, MI · Charter 61883
Q4 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.80% | 3.17% | 2.44% | 3.21% | 3.08% | 3.13% | 3.60% | 3.29% | +8 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 | 20.39% | 19.17% | 17.28% | 23.87% | 29.45% | 29.66% | +1,048 bps | |
| Loan Growth (YoY) | n/a | n/a | 16.26% | 30.82% | 34.92% | 40.82% | 39.65% | 15.04% | -1,578 bps | |
| Share Growth (YoY) | n/a | n/a | 20.03% | 17.80% | 16.09% | 25.80% | 30.86% | 33.26% | +1,546 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.53% | 2.02% | 1.10% | 1.32% | 1.38% | 1.20% | 1.00% | 0.71% | -62 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 | 1.86% | 1.45% | 1.05% | 1.10% | 1.23% | 0.98% | 0.96% | 0.72% | -38 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 | 76.45% | 77.64% | 76.96% | 89.18% | 88.85% | 86.91% | 82.12% | 76.99% | -1,220 bps | |
| Liquid Assets / Assets | 18.33% | 18.10% | 14.94% | 11.15% | 9.76% | 9.01% | 12.07% | 2.79% | -836 bps | |