Pontiac, MI · Charter 11978
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Pontiac, MI · Charter 11978
Q3 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.26% | -1.26% | -3.21% | -2.26% | -1.17% | 0.16% | -1.29% | -5.50% | -323 bps | |
| Return on Equity | -3.63% | -19.23% | -60.52% | -35.78% | -17.63% | 2.49% | -24.46% | -238% | -20,256 bps | |
| Net Interest Margin | 4.42% | 3.85% | 3.76% | 4.27% | 4.15% | 4.18% | 3.69% | 3.87% | -40 bps | |
| Efficiency Ratio | 87.81% | 87.20% | 92.39% | 89.91% | 86.38% | 97.86% | 100.82% | 138.08% | +4,817 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.83% | 4.59% | 2.98% | -9.25% | -8.96% | -8.16% | -1.10% | 5.03% | +1,427 bps | |
| Loan Growth (YoY) | -9.21% | -11.66% | -12.66% | -12.61% | -12.59% | -11.75% | -13.83% | -14.46% | -185 bps | |
| Share Growth (YoY) | 4.24% | 5.49% | 3.16% | -8.94% | -9.30% | -7.74% | -0.65% | 7.92% | +1,686 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.51% | 5.95% | 6.60% | 1.31% | 7.36% | 6.90% | 3.09% | 0.23% | -108 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 | 3.90% | 4.60% | 7.60% | 7.79% | 7.96% | 8.49% | 6.65% | 8.83% | +104 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.13% | 6.58% | 5.30% | 6.33% | 6.66% | 6.43% | 5.29% | 2.31% | -402 bps | |
| Net Worth / Assets | 7.13% | 6.58% | 5.30% | 6.33% | 6.66% | 6.43% | 5.29% | 2.31% | -402 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.96% | 52.23% | 49.72% | 56.88% | 56.82% | 49.96% | 43.13% | 45.08% | -1,179 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |