Port Huron, MI · Charter 7216
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 | 2.92% | 3.13% | 3.02% | 3.48% | 3.26% | 3.65% | 3.27% | 1.49% | -199 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 | 0.37% | -5.49% | 13.24% | 4.79% | 9.11% | 20.14% | +2,563 bps | |
| Loan Growth (YoY) | n/a | n/a | 13.92% | -1.33% | 0.45% | 4.92% | 9.39% | 1.87% | +321 bps | |
| Share Growth (YoY) | n/a | n/a | -1.45% | -7.93% | 12.48% | 2.76% | 7.62% | 22.58% | +3,051 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.34% | 1.23% | 1.00% | 1.21% | 1.76% | 1.41% | 1.38% | +38 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 | 1.89% | 1.61% | 1.67% | 1.53% | 1.19% | 1.12% | 1.02% | 1.21% | -33 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 | 81.77% | 78.62% | 72.72% | 77.18% | 73.03% | 80.27% | 73.92% | 64.15% | -1,304 bps | |
| Liquid Assets / Assets | 21.95% | 24.88% | 30.62% | 25.47% | 30.45% | 24.87% | 29.63% | 38.18% | +1,271 bps | |