Coldwater, MI · Cert 29069
FDIC · 5 branches
Q1 2015
Market Position · Battle Creek, MI · 2014 SOD (annual) · 7.0% share · #5 of 14 inst. · $67.6M of $962.8M
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.10% | -1.18% | -1.07% | 0.12% | 0.18% | 0.16% | 0.04% | -6.82% | -694 bps | |
| Return on Equity | -18.60% | -20.02% | -15.71% | 1.12% | 1.77% | 1.58% | 0.39% | -69.25% | -7,037 bps | |
| Net Interest Margin | 3.32% | 3.51% | 3.74% | 4.03% | 3.88% | 3.87% | 3.97% | 3.75% | -28 bps | |
| Efficiency Ratio | 110.20% | 113.53% | 114.32% | 97.46% | 98.03% | 98.09% | 99.92% | 230% | +13,286 bps | |
| Non-Interest Burden | 3.96% | 4.35% | 4.63% | 3.88% | 3.78% | 3.77% | 3.97% | 10.60% | +672 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.08% | -13.57% | -11.08% | -7.44% | 0.83% | 4.43% | 2.19% | -7.17% | +27 bps | |
| Loan Growth (YoY) | -15.54% | -17.14% | -8.52% | -1.16% | 7.09% | 13.82% | 6.97% | 2.56% | +372 bps | |
| Deposit Growth (YoY) | -9.33% | -10.38% | -11.73% | -10.32% | -6.70% | -7.62% | -4.93% | -8.69% | +163 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 | 1.09% | 0.53% | 0.65% | -0.02% | 0.11% | 0.19% | 0.34% | 0.01% | +3 bps | |
| Allowance / Loans | 2.21% | 2.51% | 2.19% | 2.13% | 1.89% | 1.76% | 1.63% | 1.66% | -48 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 | n/a | n/a | n/a | n/a | n/a | n/a | 8.74% | n/a | n/a |
| Total Risk-Based Capital | 10.47% | 10.75% | 16.99% | 16.49% | 15.76% | 15.75% | 15.93% | 13.74% | -275 bps | |
| Equity / Assets | 5.70% | 5.92% | 10.73% | 10.07% | 9.87% | 10.57% | 10.65% | 9.04% | -103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.50% | 76.30% | 81.59% | 79.27% | 85.50% | 94.01% | 91.80% | 89.03% | +976 bps | |
| Liquid Assets / Assets | 14.86% | 8.64% | 4.76% | 4.82% | 4.83% | 4.32% | 5.39% | 11.34% | +652 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |