Warren, MI · Charter 7431
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.04% | 3.28% | 3.17% | 3.02% | 2.97% | 2.57% | 0.03% | 0.03% | -298 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 | 4.26% | 3.85% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 93.76% | 94.73% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.97% | 7.46% | 14.75% | 12.67% | 11.10% | 7.99% | 4.01% | 5.21% | -745 bps | |
| Loan Growth (YoY) | 4.92% | 3.35% | -0.80% | 0.88% | -2.76% | -5.78% | -7.73% | -14.99% | -1,587 bps | |
| Share Growth (YoY) | 0.13% | 6.62% | 16.64% | 13.01% | 12.36% | 7.78% | 5.25% | 5.68% | -733 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.07% | 1.60% | 1.08% | 1.12% | 1.14% | 3.26% | 2.31% | 1.44% | +32 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 | 1.00% | 0.55% | 0.32% | 0.25% | 0.26% | 0.27% | 0.65% | 0.34% | +9 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 | 47.81% | 44.42% | 44.75% | 41.60% | 41.37% | 38.83% | 39.23% | 33.46% | -814 bps | |
| Liquid Assets / Assets | 28.02% | 29.75% | 55.94% | 25.33% | 42.02% | 30.56% | 38.17% | 33.63% | +830 bps | |