Winn, MI · Charter 62052
Q4 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.21% | 3.60% | 3.12% | 3.46% | 4.21% | 5.47% | 1.61% | 3.91% | +46 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 | n/a | n/a | 8.67% | 6.05% | 4.83% | -0.14% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 50.37% | 32.45% | -1.14% | -11.51% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 6.45% | 1.44% | 0.41% | -3.91% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.62% | 3.36% | 1.84% | 2.49% | 1.33% | 1.14% | 1.04% | 2.39% | -10 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 | 4.24% | 3.98% | 3.20% | 3.09% | 2.66% | 1.84% | 2.03% | 1.78% | -131 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 | 71.00% | 83.62% | 96.22% | 101.43% | 100.29% | 109.18% | 94.74% | 93.41% | -802 bps | |
| Liquid Assets / Assets | 36.63% | 26.50% | 11.40% | 10.00% | 12.44% | 7.33% | 19.71% | 15.84% | +583 bps | |