Mount Pleasant, MI · Cert 1597
FDIC
Q1 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.35% | 1.07% | 1.12% | 0.76% | 0.80% | -56 bps | |
| Return on Equity | 13.86% | 10.75% | 11.31% | 7.74% | 8.19% | -566 bps | |
| Net Interest Margin | 3.51% | 3.64% | 3.59% | 3.60% | 3.54% | +3 bps | |
| Efficiency Ratio | 62.22% | 62.06% | 62.56% | 72.72% | 72.28% | +1,006 bps | |
| Non-Interest Burden | 1.88% | 1.96% | 1.97% | 2.45% | 2.41% | +53 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 201% | 192.87% | 196.97% | 189.41% | -1.54% | -20,274 bps | |
| Loan Growth (YoY) | 172.71% | 172.28% | 174.67% | 180.52% | 0.83% | -17,188 bps | |
| Deposit Growth (YoY) | 190.58% | 180.86% | 184.43% | 177.27% | -1.69% | -19,227 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.83% | 0.49% | 0.36% | 0.46% | 0.35% | -47 bps | |
| Allowance / Loans | 1.93% | 1.83% | 1.73% | 1.66% | 1.61% | -32 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 | 14.20% | 13.89% | 14.01% | 13.77% | 13.89% | -31 bps | |
| Equity / Assets | 9.96% | 9.98% | 9.84% | 9.79% | 9.64% | -31 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.35% | 78.05% | 77.00% | 78.50% | 75.23% | +188 bps | |
| Liquid Assets / Assets | 5.70% | 2.30% | 2.07% | 1.87% | 4.43% | -128 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |