Dearborn, MI · Charter 63698
Q2 2002
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.55% | 3.71% | 0.71% | 0.49% | -0.22% | 0.02% | 0.69% | -0.73% | -122 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -2.39% | 0.20% | 7.65% | -7.93% | n/a | |
| Net Interest Margin | n/a | n/a | 4.57% | 4.59% | 4.59% | 4.82% | 4.99% | 5.38% | +78 bps | |
| Efficiency Ratio | n/a | n/a | 85.11% | 92.05% | 97.25% | 93.84% | 85.31% | 108.15% | +1,610 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.64% | 9.53% | 20.90% | 10.01% | 1.22% | -0.85% | -5.24% | -8.82% | -1,883 bps | |
| Loan Growth (YoY) | 7.29% | 11.03% | 7.64% | 25.66% | 11.30% | -0.83% | -5.71% | -19.47% | -4,513 bps | |
| Share Growth (YoY) | 3.08% | 10.47% | 22.68% | 12.08% | 2.52% | 1.36% | -5.47% | -10.51% | -2,259 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.83% | 0.04% | 0.86% | 1.80% | 2.05% | 0.31% | 0.68% | -19 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 | 0.91% | 0.81% | 0.99% | 0.93% | 1.31% | 1.34% | 0.86% | 1.18% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 9.37% | 8.81% | 9.00% | 9.23% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 9.37% | 8.81% | 9.00% | 9.23% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.25% | 83.06% | 77.28% | 88.63% | 95.81% | 81.27% | 77.08% | 79.76% | -888 bps | |
| Liquid Assets / Assets | 13.55% | 17.54% | 0.00% | 2.71% | 4.33% | 16.99% | 21.39% | 19.67% | +1,696 bps | |