Carsonville, MI · Charter 62023
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 | 6.60% | 6.87% | 5.50% | 8.01% | 6.88% | -19.96% | -5.93% | 12.37% | +436 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 | 44.84% | 39.71% | 17.67% | 22.43% | -1.15% | -1.47% | -2.54% | -2,020 bps | |
| Loan Growth (YoY) | n/a | 40.19% | 35.38% | 15.32% | 0.96% | -2.90% | -28.05% | -40.22% | -5,553 bps | |
| Share Growth (YoY) | n/a | 41.20% | 37.87% | 12.76% | 17.82% | 6.64% | 7.20% | 4.04% | -872 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.90% | 4.41% | 4.99% | 5.20% | 24.83% | 35.92% | 25.18% | +2,019 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 | 2.90% | 2.30% | 2.03% | 0.22% | 0.23% | 9.72% | 18.30% | 13.94% | +1,372 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 | 93.57% | 79.61% | 90.83% | 93.13% | 80.18% | 72.49% | 60.96% | 53.52% | -3,962 bps | |
| Liquid Assets / Assets | 22.72% | 32.40% | 26.23% | 19.25% | 32.26% | 34.60% | 50.46% | 54.20% | +3,496 bps | |