Lake Orion, MI · Charter 62083
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 | 4.08% | 4.35% | 3.58% | 3.92% | 3.99% | 3.87% | 3.97% | 3.54% | -38 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 | 17.08% | 2.06% | 2.62% | 7.39% | 12.45% | 30.89% | +2,883 bps | |
| Loan Growth (YoY) | n/a | n/a | 15.17% | 1.09% | 3.00% | 9.04% | 4.06% | 0.42% | -67 bps | |
| Share Growth (YoY) | n/a | n/a | 15.29% | -0.72% | 0.01% | 5.57% | 10.96% | 32.12% | +3,284 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 1.55% | 2.12% | 1.86% | 2.06% | 0.91% | 2.55% | 1.60% | -27 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 | 1.64% | 1.54% | 1.22% | 1.23% | 1.13% | 0.96% | 1.23% | 0.89% | -33 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 | 62.13% | 63.44% | 58.70% | 61.88% | 63.99% | 65.52% | 55.05% | 47.04% | -1,485 bps | |
| Liquid Assets / Assets | 35.59% | 22.02% | 23.76% | 24.95% | 30.70% | 28.50% | 42.29% | 46.72% | +2,177 bps | |