Capac, MI · Cert 14538
FDIC · 7 branches
Q3 2016
Market Position · Detroit-Warren-Dearborn, MI · 2016 SOD (annual) · 0.2% share · #21 of 49 inst. · $0.2B of $121.7B
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.60% | 0.59% | 0.57% | 0.69% | 0.53% | 0.67% | 0.63% | +6 bps | |
| Return on Equity | 5.34% | 6.50% | 6.51% | 6.27% | 7.55% | 5.74% | 7.19% | 6.75% | +48 bps | |
| Net Interest Margin | 2.87% | 2.86% | 2.88% | 2.89% | 2.92% | 3.00% | 2.98% | 2.96% | +7 bps | |
| Efficiency Ratio | 85.46% | 85.90% | 83.06% | 82.60% | 81.03% | 80.90% | 77.72% | 78.70% | -391 bps | |
| Non-Interest Burden | 2.31% | 2.35% | 2.24% | 2.23% | 2.19% | 2.27% | 2.13% | 2.16% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.92% | 1.42% | 2.17% | 2.37% | 7.15% | 3.56% | 2.42% | 4.14% | +177 bps | |
| Loan Growth (YoY) | 7.10% | 10.12% | 16.71% | 15.72% | 13.83% | 10.86% | 4.21% | 3.25% | -1,248 bps | |
| Deposit Growth (YoY) | 0.15% | 2.57% | 1.26% | 3.84% | 7.18% | 3.15% | 4.28% | 3.94% | +10 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 | 0.27% | 0.11% | 0.10% | 0.06% | 0.05% | 0.23% | 0.13% | 0.30% | +24 bps | |
| Allowance / Loans | 1.63% | 1.57% | 1.46% | 1.41% | 1.16% | 1.10% | 1.10% | 0.91% | -50 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 | 9.22% | 8.69% | 8.71% | 8.89% | 8.87% | 9.05% | 8.93% | +22 bps | |
| Total Risk-Based Capital | 18.44% | 18.33% | 17.85% | 17.58% | 17.01% | 17.50% | 18.06% | 16.37% | -121 bps | |
| Equity / Assets | 9.26% | 9.13% | 9.04% | 9.08% | 9.16% | 9.27% | 9.61% | 9.25% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.48% | 55.28% | 59.48% | 59.48% | 59.99% | 59.41% | 59.44% | 59.09% | -40 bps | |
| Liquid Assets / Assets | 0.92% | 0.88% | 0.95% | 0.73% | 0.73% | 0.73% | 0.53% | 0.51% | -22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |