Middleville, MI · Charter 10034
Q4 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.86% | 0.65% | 0.60% | 1.65% | 1.23% | 1.25% | 0.81% | +21 bps | |
| Return on Equity | 7.27% | 10.15% | 7.60% | 6.97% | 19.26% | 13.78% | 13.22% | 8.61% | +163 bps | |
| Net Interest Margin | 3.69% | 3.75% | 3.89% | 3.86% | 3.68% | 3.82% | 4.00% | 4.09% | +23 bps | |
| Efficiency Ratio | 77.16% | 78.70% | 78.04% | 80.84% | 75.09% | 77.30% | 75.42% | 86.16% | +532 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.41% | 2.94% | 2.61% | 5.37% | 5.92% | 4.29% | 2.12% | 0.00% | -537 bps | |
| Loan Growth (YoY) | -10.83% | -0.98% | -1.93% | 2.66% | 8.18% | -0.48% | 0.27% | 0.26% | -240 bps | |
| Share Growth (YoY) | 5.54% | 2.35% | 2.28% | 1.50% | 2.87% | 3.17% | 1.12% | 2.69% | +119 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.60% | 0.35% | 0.36% | 0.80% | 0.45% | 0.36% | 0.29% | -7 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 | 0.64% | 0.53% | 0.66% | 0.65% | 0.38% | 0.40% | 0.34% | 0.27% | -38 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.20% | 8.50% | 8.61% | 8.59% | 8.59% | 8.93% | 9.49% | 9.40% | +81 bps | |
| Net Worth / Assets | 8.20% | 8.50% | 8.61% | 8.59% | 8.59% | 8.93% | 9.49% | 9.40% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.44% | 57.75% | 57.60% | 57.66% | 54.09% | 55.71% | 57.12% | 56.30% | -136 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |