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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.79% | 0.79% | 0.82% | 0.84% | 0.87% | 0.92% | 0.84% | +1 bps | |
| Return on Equity | 6.25% | 7.12% | 7.14% | 7.50% | 7.72% | 7.75% | 8.09% | 7.39% | -11 bps | |
| Net Interest Margin | 2.76% | 2.79% | 2.83% | 2.90% | 3.00% | 3.07% | 3.17% | 3.18% | +29 bps | |
| Efficiency Ratio | 78.40% | 76.33% | 75.97% | 75.88% | 77.53% | 76.31% | 74.94% | 77.18% | +130 bps | |
| Non-Interest Burden | 2.08% | 2.00% | 2.04% | 2.08% | 2.25% | 2.25% | 2.28% | 2.36% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.82% | -4.84% | -2.37% | -2.00% | -3.96% | -5.46% | -8.30% | -6.34% | -434 bps | |
| Loan Growth (YoY) | 0.83% | -1.04% | -0.63% | -0.17% | -2.28% | 1.00% | -4.60% | -3.43% | -326 bps | |
| Deposit Growth (YoY) | -6.14% | -6.10% | -2.76% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.00% | -0.01% | -0.01% | -0.01% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.34% | 0.36% | 0.35% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.06% | 11.16% | 11.27% | 10.63% | 11.14% | 11.29% | 11.59% | 11.10% | +47 bps | |
| Total Risk-Based Capital | 22.04% | 22.77% | 21.68% | 20.10% | 20.98% | 20.76% | 21.07% | 20.15% | +5 bps | |
| Equity / Assets | 11.10% | 11.34% | 11.15% | 10.58% | 11.30% | 11.75% | 11.79% | 11.11% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.38% | 91.57% | 89.88% | 86.46% | 92.51% | 95.54% | 88.38% | 86.31% | -15 bps | |
| Liquid Assets / Assets | 8.48% | 8.02% | 7.66% | 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 | n/a | n/a | n/a |