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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03%1 | 1.12% | 0.19% | 0.17% | 1.28% | 0.36% | 0.60% | 0.66% | +49 bps | |
| Return on Equity | 0.25% | 10.29% | 1.69% | 1.54% | 11.54% | 3.30% | 5.30% | 5.75% | +421 bps | |
| Net Interest Margin | 3.07% | 3.06% | 3.12% | 3.25% | 3.26% | 3.20% | 3.26% | 3.22% | -3 bps | |
| Efficiency Ratio | 92.29% | 85.70% | 83.96% | 89.05% | 81.76% | 78.98% | 71.69% | 71.42% | -1,762 bps | |
| Non-Interest Burden | 2.99% | 2.71% | 2.70% | 3.01% | 2.71% | 2.59% | 2.38% | 2.34% | -68 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 | -0.03% | 0.16% | -0.04% | 0.10% | 0.22% | 0.07% | -0.36% | -0.03% | -14 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 |