Dearborn, MI · Charter 62082
Q4 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.26% | 3.65% | 4.33% | 4.15% | 3.09% | 3.50% | 5.44% | 4.04% | -11 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 | -21.18% | -29.46% | -19.89% | -13.09% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 11.81% | -14.89% | -30.89% | -38.46% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -24.60% | -33.55% | -24.74% | -17.30% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.48% | 0.83% | 1.31% | 0.94% | 4.64% | 6.40% | 4.82% | +350 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 | 5.91% | 5.25% | 5.12% | 5.09% | 5.01% | 5.96% | 4.82% | 3.36% | -172 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 | 64.63% | 71.13% | 84.37% | 93.20% | 95.83% | 91.10% | 77.48% | 69.35% | -2,385 bps | |
| Liquid Assets / Assets | 31.45% | 30.77% | 20.51% | 14.54% | 18.36% | 26.00% | 36.52% | 41.53% | +2,699 bps | |