New Buffalo, MI · Cert 31257
FDIC · 3 branches
Q1 2020
Market Position · Niles, MI · 2019 SOD (annual) · 4.5% share · #7 of 10 inst. · $0.1B of $2.2B
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.92% | 0.81% | 1.44% | 0.67% | 0.75% | 0.71% | 0.07% | -137 bps | |
| Return on Equity | 8.45% | 7.74% | 6.71% | 11.36% | 5.24% | 5.85% | 5.46% | 0.50% | -1,086 bps | |
| Net Interest Margin | 3.24% | 3.15% | 3.10% | 2.96% | 2.93% | 2.86% | 2.85% | 3.17% | +21 bps | |
| Efficiency Ratio | 80.62% | 81.29% | 82.72% | 70.93% | 86.87% | 84.55% | 86.19% | 92.59% | +2,166 bps | |
| Non-Interest Burden | 2.31% | 2.28% | 2.35% | 1.51% | 2.38% | 2.19% | 2.25% | 2.86% | +135 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.99% | -6.40% | -5.81% | -1.46% | 0.80% | 3.19% | -2.23% | -6.31% | -485 bps | |
| Loan Growth (YoY) | 1.71% | 0.05% | -10.44% | -7.06% | -5.34% | -4.72% | -6.04% | -6.28% | +78 bps | |
| Deposit Growth (YoY) | -2.48% | -7.94% | -4.03% | 1.32% | 4.65% | 7.76% | -3.62% | -8.16% | -948 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.82% | 2.18% | 2.21% | 2.35% | 2.23% | 1.08% | 0.00% | 0.00% | -235 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | -1 bps | |
| Allowance / Loans | 1.15% | 1.13% | 1.18% | 1.21% | 1.14% | 1.12% | 1.12% | 1.23% | +2 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.5x | 0.5x | 0.5x | 0.5x | 1.0x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.31% | 12.20% | 12.20% | 12.96% | 12.87% | 12.89% | 13.28% | 14.15% | +119 bps | |
| Total Risk-Based Capital | 16.93% | 17.08% | 17.77% | 18.13% | 18.15% | 18.13% | 18.71% | 18.29% | +15 bps | |
| Equity / Assets | 12.18% | 12.55% | 12.54% | 12.87% | 12.75% | 12.85% | 13.60% | 14.17% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.85% | 101.62% | 91.85% | 90.39% | 88.52% | 89.85% | 89.55% | 92.24% | +185 bps | |
| Liquid Assets / Assets | 2.87% | 1.74% | 1.61% | 2.00% | 2.26% | 2.28% | 1.78% | 1.46% | -54 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |