River Rouge, MI · Charter 62306
Q4 1996
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 5.38% | 5.41% | 5.55% | 5.66% | 5.84% | 4.08% | -133 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | 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 | 3.29% | 2.83% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -8.03% | -9.79% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -2.46% | -0.91% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 0.63% | 1.98% | 0.83% | 2.01% | 1.60% | 2.17% | +19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.05% | 2.53% | 2.30% | 3.12% | 3.51% | 3.66% | +113 bps | |
| Capital | ||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | ||||||||
| Loans / Shares | 102.72% | 107.15% | 97.41% | 102.91% | 96.86% | 97.55% | -960 bps | |
| Liquid Assets / Assets | 19.07% | 19.73% | 25.37% | 24.75% | 29.13% | 26.55% | +682 bps | |