Lapeer, MI · Cert 14913
FDIC · 13 branches
Q1 2020
Market Position · Detroit-Warren-Dearborn, MI · 2019 SOD (annual) · 0.4% share · #14 of 43 inst. · $0.6B of $140.6B
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.07% | 1.13% | 1.16% | 1.17% | 1.16% | 1.20% | 1.35% | +19 bps | |
| Return on Equity | 11.03% | 11.38% | 11.94% | 11.75% | 11.80% | 11.69% | 10.82% | 8.87% | -289 bps | |
| Net Interest Margin | 3.42% | 3.39% | 3.37% | 3.48% | 3.40% | 3.32% | 3.36% | 3.33% | -14 bps | |
| Efficiency Ratio | 71.67% | 70.85% | 67.73% | 68.52% | 66.85% | 66.78% | 64.34% | 52.65% | -1,587 bps | |
| Non-Interest Burden | 2.19% | 2.13% | 1.99% | 2.11% | 2.04% | 1.98% | 1.81% | 1.37% | -73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.28% | 3.99% | 2.28% | 3.50% | 6.05% | 8.59% | 15.24% | 13.84% | +1,033 bps | |
| Loan Growth (YoY) | 13.06% | 8.90% | 5.61% | 12.38% | 15.85% | 19.18% | 15.93% | 3.45% | -893 bps | |
| Deposit Growth (YoY) | 3.99% | 1.84% | 0.54% | 1.39% | 2.66% | 6.25% | 6.35% | 4.76% | +337 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.43% | 0.42% | 0.39% | 0.42% | 0.17% | 0.25% | 0.17% | -22 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.03% | -0.02% | 0.01% | 0.01% | -0.05% | -0.04% | -0.06% | -7 bps | |
| Allowance / Loans | 0.48% | 0.48% | 0.47% | 0.44% | 0.41% | 0.43% | 0.00% | 0.07% | -36 bps | |
| Allowance Coverage of NPLs | 2.9x | 1.1x | 1.1x | 1.1x | 1.0x | 2.5x | 0.0x | 0.4x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.14% | 10.23% | 10.29% | 10.38% | 10.05% | 9.75% | 9.63% | 9.79% | -59 bps | |
| Total Risk-Based Capital | 15.98% | 16.55% | 16.11% | 15.56% | 14.86% | 14.62% | 15.01% | 14.68% | -88 bps | |
| Equity / Assets | 9.29% | 9.33% | 9.73% | 9.99% | 10.04% | 10.08% | 15.20% | 15.27% | +528 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.96% | 66.37% | 67.07% | 68.96% | 73.31% | 74.44% | 73.11% | 68.09% | -86 bps | |
| Liquid Assets / Assets | 1.62% | 1.59% | 1.52% | 1.59% | 1.43% | 1.08% | 1.80% | 1.07% | -52 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |