Roseveille, MI · Charter 65320
Q1 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 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q1 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.72% | 4.09% | 4.29% | 2.88% | 3.94% | 4.48% | 4.45% | 4.48% | +160 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 | n/a | 20.74% | 17.26% | 22.20% | 23.23% | 11.16% | -958 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 28.54% | 25.61% | 26.84% | 32.95% | 11.31% | -1,723 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 19.14% | 15.94% | 21.33% | 22.71% | 9.80% | -935 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.24% | 1.52% | 1.16% | 1.64% | 1.41% | 1.07% | 0.99% | 0.71% | -93 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 | 3.10% | 2.99% | 2.70% | 2.73% | 2.60% | 2.38% | 2.16% | 2.11% | -61 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 | 70.84% | 71.36% | 72.29% | 72.82% | 76.75% | 74.60% | 78.32% | 73.82% | +100 bps | |
| Liquid Assets / Assets | 16.77% | 15.20% | 16.71% | 14.08% | 11.21% | 11.30% | 10.94% | 14.02% | -5 bps | |