St. Clair Shore, MI · Charter 63744
Q4 1998
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.52% | 2.28% | 1.67% | 1.92% | 0.94% | 0.65% | 0.50% | -3.70% | -562 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 | n/a | -15.61% | -15.85% | -13.53% | -14.19% | -14.15% | -12.60% | +325 bps | |
| Loan Growth (YoY) | n/a | n/a | 44.30% | 12.97% | -24.88% | -36.09% | -33.56% | -39.73% | -5,270 bps | |
| Share Growth (YoY) | n/a | n/a | -20.06% | -19.32% | -13.42% | -16.37% | -15.56% | -8.20% | +1,112 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.09% | 1.36% | 2.83% | 2.60% | 3.68% | 4.00% | 0.70% | 0.36% | -224 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 | 1.37% | 1.10% | 1.28% | 1.14% | 1.54% | 1.31% | 0.37% | 0.93% | -21 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 | 64.51% | 81.19% | 68.24% | 70.41% | 55.97% | 62.05% | 53.70% | 46.22% | -2,419 bps | |
| Liquid Assets / Assets | 20.34% | 6.61% | 13.44% | 31.66% | 0.18% | 31.78% | 33.97% | 35.12% | +346 bps | |