Detroit, MI · Charter 62235
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 | 1.94% | 2.66% | 1.52% | 2.29% | -0.25% | -0.37% | 1.56% | 1.08% | -121 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 | -13.58% | -1.46% | -15.42% | -25.82% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 26.58% | 7.08% | -22.89% | -33.14% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -14.34% | 1.56% | -16.79% | -22.89% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.29% | 4.00% | 5.48% | 4.25% | 7.88% | 15.79% | 17.25% | 16.09% | +1,184 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 | 2.74% | 1.90% | 1.76% | 2.37% | 2.78% | 3.82% | 4.94% | 0.24% | -213 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 | 58.07% | 76.12% | 71.22% | 79.55% | 85.81% | 80.26% | 66.00% | 68.97% | -1,058 bps | |
| Liquid Assets / Assets | 20.85% | 12.51% | 21.26% | 22.31% | 18.87% | 20.12% | 26.17% | 29.39% | +708 bps | |