Bangor, MI · Cert 11404
FDIC · 1 branch
Q1 2015
Market Position · Kalamazoo-Portage, MI · 2014 SOD (annual) · 1.0% share · #14 of 19 inst. · $0.0B of $3.5B
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.03% | -0.08% | -0.33% | -1.01% | -1.03% | -1.18% | -1.22% | -4.21% | -320 bps | |
| Return on Equity | -0.28% | -0.77% | -3.17% | -10.25% | -10.54% | -12.21% | -12.92% | -52.08% | -4,183 bps | |
| Net Interest Margin | 2.67% | 2.75% | 2.73% | 2.65% | 2.87% | 2.89% | 3.06% | 2.64% | -2 bps | |
| Efficiency Ratio | 100.99% | 103.88% | 107.86% | 138.28% | 130.09% | 135.98% | 137.13% | 236% | +9,769 bps | |
| Non-Interest Burden | 2.70% | 2.87% | 2.97% | 3.64% | 3.76% | 3.99% | 4.26% | 6.82% | +318 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.67% | -3.38% | -1.41% | -5.76% | -0.74% | -9.69% | -8.62% | -6.79% | -103 bps | |
| Loan Growth (YoY) | -2.40% | -3.82% | 0.07% | 4.21% | 6.69% | 3.90% | -10.55% | -11.94% | -1,615 bps | |
| Deposit Growth (YoY) | -2.99% | -2.33% | -0.16% | -5.01% | -0.03% | -9.68% | -8.49% | -5.90% | -89 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 | 0.71% | 0.45% | 0.97% | 0.00% | 0.44% | 0.47% | 0.42% | -0.34% | -34 bps | |
| Allowance / Loans | 1.43% | 1.46% | 1.48% | 1.51% | 1.52% | 1.62% | 1.71% | 1.85% | +34 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.23% | n/a | n/a |
| Total Risk-Based Capital | 24.66% | 23.56% | 21.92% | 22.99% | 23.65% | 22.77% | 22.89% | 23.77% | +78 bps | |
| Equity / Assets | 10.42% | 10.21% | 9.80% | 9.85% | 9.76% | 9.06% | 8.53% | 7.64% | -221 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 36.82% | 36.01% | 38.63% | 38.62% | 39.29% | 41.42% | 37.76% | 36.14% | -248 bps | |
| Liquid Assets / Assets | 2.47% | 3.65% | 4.48% | 4.65% | 3.48% | 0.88% | 4.03% | 6.38% | +173 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |