Mason, MI · Cert 1001
FDIC · 4 branches
Q4 2016
Market Position · Lansing-East Lansing, MI · 2016 SOD (annual) · 1.4% share · #15 of 22 inst. · $0.1B of $6.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.91% | 0.84% | 0.89% | 1.03% | 0.59% | -33 bps | |
| Return on Equity | 8.40% | 7.72% | 7.75% | 8.75% | 5.12% | -327 bps | |
| Net Interest Margin | 3.05% | 3.00% | 3.11% | 3.30% | 3.16% | +11 bps | |
| Efficiency Ratio | 75.61% | 77.53% | 75.14% | 72.32% | 83.85% | +824 bps | |
| Non-Interest Burden | 2.19% | 2.25% | 2.22% | 2.28% | 2.57% | +38 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.00% | -3.96% | -5.46% | -8.30% | -6.34% | -434 bps | |
| Loan Growth (YoY) | -0.17% | -2.28% | 1.00% | -4.60% | -3.43% | -326 bps | |
| Deposit Growth (YoY) | -2.15% | -4.53% | -3.19% | -2.98% | -3.26% | -111 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.01% | 0.01% | +2 bps | |
| Allowance / Loans | 0.34% | 0.34% | 0.34% | 0.35% | 0.35% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.63% | 11.14% | 11.29% | 11.59% | 11.10% | +47 bps | |
| Total Risk-Based Capital | 20.10% | 20.98% | 20.76% | 21.07% | 20.15% | +5 bps | |
| Equity / Assets | 10.58% | 11.30% | 11.75% | 11.79% | 11.11% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.46% | 92.51% | 95.54% | 88.38% | 86.31% | -15 bps | |
| Liquid Assets / Assets | 5.28% | 3.84% | 2.37% | 2.37% | 2.35% | -292 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |