Tecumseh, MI · Cert 13177
FDIC · 19 branches
Q2 2014
Market Position · Ann Arbor, MI · 2014 SOD (annual) · 4.6% share · #8 of 21 inst. · $0.3B of $6.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 1.03% | 1.23% | 1.19% | 1.39% | +42 bps | |
| Return on Equity | 9.70% | 10.47% | 12.53% | 12.30% | 14.06% | +436 bps | |
| Net Interest Margin | 3.48% | 3.51% | 3.75% | 3.66% | 3.82% | +34 bps | |
| Efficiency Ratio | 72.02% | 71.78% | 69.30% | 68.82% | 64.65% | -737 bps | |
| Non-Interest Burden | 1.81% | 1.90% | 1.98% | 1.93% | 1.75% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.58% | 2.30% | -0.89% | -0.62% | -2.85% | -543 bps | |
| Loan Growth (YoY) | 6.53% | 7.95% | 8.41% | 7.91% | 6.29% | -24 bps | |
| Deposit Growth (YoY) | 4.52% | 4.17% | 0.58% | 0.86% | -3.46% | -797 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.48% | 0.21% | 0.93% | 0.85% | 0.30% | -18 bps | |
| Allowance / Loans | 3.51% | 3.37% | 3.14% | 2.90% | 2.79% | -73 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 15.15% | 14.85% | 14.84% | 14.62% | 14.55% | -61 bps | |
| Equity / Assets | 9.91% | 9.77% | 9.80% | 9.60% | 10.15% | +24 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.23% | 80.22% | 81.91% | 80.53% | 86.13% | +790 bps | |
| Liquid Assets / Assets | 4.00% | 0.94% | 1.43% | 4.22% | 0.39% | -361 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |