Pelkie, MI · Charter 63105
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 | 3.40% | 3.92% | 2.65% | 4.70% | 3.52% | 4.05% | 2.41% | 3.70% | -100 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 | 1.14% | 50.45% | 71.15% | 79.97% | 63.24% | 8.52% | 1.49% | -6,966 bps | |
| Loan Growth (YoY) | n/a | 49.49% | 95.35% | 95.28% | 102.91% | 47.30% | -10.52% | -20.81% | -11,609 bps | |
| Share Growth (YoY) | n/a | -1.50% | 43.42% | 68.21% | 87.68% | 73.02% | 22.06% | 10.48% | -5,773 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.92% | 1.82% | 2.98% | 3.10% | 3.04% | 3.65% | 14.91% | 2.50% | -60 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 | 0.54% | 0.50% | 1.06% | 1.01% | 1.66% | 2.17% | 3.14% | 1.88% | +88 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 | 75.55% | 91.61% | 99.04% | 92.18% | 81.69% | 77.99% | 72.60% | 66.07% | -2,611 bps | |
| Liquid Assets / Assets | 17.21% | 10.79% | 3.73% | 4.21% | 11.20% | 13.95% | 18.32% | 21.11% | +1,690 bps | |