Warren, MI · Charter 62434
Q2 1999
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.56% | 2.87% | 0.31% | 2.21% | 2.67% | 1.13% | 1.23% | 0.46% | -175 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 | -3.92% | -10.84% | -7.29% | -10.62% | -13.71% | -13.30% | -21.24% | -1,395 bps | |
| Loan Growth (YoY) | n/a | -33.72% | -33.64% | -39.18% | -37.83% | -29.45% | -29.75% | -27.43% | +1,175 bps | |
| Share Growth (YoY) | n/a | -7.58% | -11.84% | -5.77% | -9.86% | -13.09% | -14.95% | -23.73% | -1,796 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.46% | 3.37% | 4.12% | 2.38% | 2.15% | 4.37% | 5.35% | 0.27% | -211 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 | 1.45% | 0.59% | 2.59% | 3.40% | 2.01% | 1.72% | 2.03% | 2.22% | -118 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 | 81.04% | 63.16% | 68.77% | 55.84% | 55.89% | 51.26% | 56.80% | 53.14% | -271 bps | |
| Liquid Assets / Assets | 25.73% | 44.19% | 38.96% | 49.07% | 46.90% | 52.67% | 46.17% | 47.26% | -181 bps | |