Alpena, MI · Charter 62345
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.30% | 3.08% | 0.69% | 2.60% | 3.04% | -0.84% | 0.37% | -0.19% | -280 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -1.97% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.86% | 3.78% | 3.56% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 90.27% | 91.03% | 105.91% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.35% | -3.95% | 1.05% | 7.14% | 12.47% | 4.59% | 8.38% | 6.62% | -52 bps | |
| Loan Growth (YoY) | -14.32% | -18.76% | -9.63% | -5.87% | 5.28% | 7.05% | -7.53% | -7.30% | -143 bps | |
| Share Growth (YoY) | -4.76% | -5.69% | 1.64% | 8.64% | 14.91% | 6.37% | 9.62% | 9.26% | +62 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.88% | 5.01% | 3.30% | 1.53% | 2.38% | 4.29% | 1.17% | 1.45% | -7 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 | 0.47% | 0.74% | 1.96% | 0.74% | 0.83% | 3.02% | 0.97% | 0.63% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 9.89% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 9.89% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.50% | 68.90% | 73.23% | 70.62% | 71.01% | 69.34% | 61.78% | 59.92% | -1,070 bps | |
| Liquid Assets / Assets | 18.63% | 25.84% | 21.58% | 21.19% | 20.10% | 4.63% | 23.84% | 29.76% | +857 bps | |