Charlevoix, MI · Charter 19776
Q4 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.66% | 1.50% | 1.31% | 1.12% | 1.11% | 1.10% | 1.09% | 0.47% | -65 bps | |
| Return on Equity | 14.73% | 13.20% | 11.56% | 9.95% | 9.86% | 9.82% | 9.53% | 4.27% | -568 bps | |
| Net Interest Margin | 3.62% | 3.26% | 3.21% | 2.98% | 3.37% | 3.38% | 3.44% | 3.52% | +54 bps | |
| Efficiency Ratio | 61.38% | 62.89% | 66.68% | 70.78% | 69.64% | 71.81% | 72.68% | 85.44% | +1,466 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.65% | 7.97% | 9.24% | 10.55% | 9.94% | 10.43% | 8.35% | 6.69% | -385 bps | |
| Loan Growth (YoY) | 5.43% | 5.51% | 8.03% | 11.49% | 14.19% | 14.96% | 15.17% | 15.36% | +387 bps | |
| Share Growth (YoY) | 9.24% | 7.36% | 8.77% | 10.52% | 9.99% | 10.06% | 7.59% | 5.56% | -495 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.37% | 0.53% | 0.77% | 0.70% | 0.68% | 0.70% | 0.74% | -3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.56% | 0.55% | 0.51% | 0.42% | 0.47% | 0.38% | 0.37% | 0.37% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.25% | 11.39% | 11.32% | 11.29% | 11.21% | 11.25% | 11.42% | 11.06% | -24 bps | |
| Net Worth / Assets | 11.25% | 11.39% | 11.32% | 11.29% | 11.21% | 11.25% | 11.42% | 11.06% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.91% | 71.65% | 72.63% | 73.12% | 72.58% | 74.84% | 77.75% | 79.90% | +679 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |