Saint Charles, MI · Cert 15868
FDIC · 7 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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.
Saint Charles, MI · Cert 15868
FDIC · 7 branches
Q3 2016
Market Position · Saginaw, MI · 2016 SOD (annual) · 6.3% share · #6 of 15 inst. · $0.1B of $2.1B
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 | 0.13% | 1.12% | 0.66% | 0.50% | 0.69% | 0.36% | 0.48% | 0.54% | +4 bps | |
| Return on Equity | 1.25% | 10.29% | 5.99% | 4.50% | 6.28% | 3.30% | 4.31% | 4.80% | +30 bps | |
| Net Interest Margin | 3.12% | 3.06% | 3.12% | 3.14% | 3.16% | 3.20% | 3.24% | 3.25% | +10 bps | |
| Efficiency Ratio | 86.09% | 85.70% | 84.83% | 86.23% | 85.05% | 78.98% | 75.30% | 74.01% | -1,222 bps | |
| Non-Interest Burden | 2.81% | 2.71% | 2.74% | 2.81% | 2.77% | 2.59% | 2.50% | 2.45% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.19% | -2.10% | -2.96% | -0.45% | 2.78% | 3.45% | 2.85% | 2.37% | +281 bps | |
| Loan Growth (YoY) | -5.89% | 0.09% | 4.35% | 12.58% | 12.01% | 18.21% | 18.80% | 13.43% | +85 bps | |
| Deposit Growth (YoY) | 1.07% | -2.97% | -3.57% | -0.94% | 2.39% | 3.54% | 2.44% | 1.85% | +279 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 | 1.30% | 0.16% | 0.06% | 0.07% | 0.11% | 0.07% | -0.15% | -0.11% | -18 bps | |
| Allowance / Loans | 2.81% | 2.86% | 2.81% | 2.64% | 1.99% | 1.90% | 1.88% | 1.80% | -84 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 | 9.46% | 9.61% | 9.67% | 9.52% | 9.28% | 9.64% | 9.85% | +18 bps | |
| Total Risk-Based Capital | 17.91% | 19.61% | 20.99% | 20.65% | 20.25% | 20.02% | 21.29% | 21.12% | +47 bps | |
| Equity / Assets | 10.70% | 11.13% | 11.09% | 11.22% | 10.92% | 11.04% | 11.47% | 11.62% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 42.77% | 43.04% | 46.13% | 48.61% | 46.79% | 49.14% | 53.50% | 54.13% | +552 bps | |
| Liquid Assets / Assets | 4.35% | 3.64% | 5.37% | 5.03% | 4.96% | 4.87% | 4.61% | 4.52% | -51 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |