Escanaba, MI · Cert 32436
FDIC · 7 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Escanaba, MI · Cert 32436
FDIC · 7 branches
Q3 2017
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.37% | 0.79% | 0.94% | 0.93% | 0.91% | 0.94% | 1.00% | +6 bps | |
| Return on Equity | 8.81% | 3.38% | 6.79% | 7.71% | 7.53% | 6.72% | 6.97% | 7.42% | -29 bps | |
| Net Interest Margin | 3.45% | 1.40% | 2.72% | 3.23% | 3.45% | 3.89% | 3.90% | 3.84% | +61 bps | |
| Efficiency Ratio | 80.45% | 69.82% | 67.35% | 66.95% | 68.46% | 70.88% | 71.47% | 70.78% | +382 bps | |
| Non-Interest Burden | 2.56% | 0.86% | 1.62% | 1.91% | 2.09% | 2.35% | 2.44% | 2.39% | +48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.88% | 1.89% | 1.06% | 3.13% | 3.96% | -0.52% | 3.75% | 4.23% | +110 bps | |
| Loan Growth (YoY) | 5.04% | 5.28% | 5.90% | 3.61% | 0.42% | 0.33% | 0.59% | 4.84% | +122 bps | |
| Deposit Growth (YoY) | -0.61% | -2.39% | -3.30% | -2.54% | -1.60% | -1.38% | 3.70% | 4.35% | +688 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.45% | 1.72% | 2.22% | +222 bps | |
| Net Charge-Offs / Loans | 0.47% | 0.02% | 0.26% | 0.26% | 0.22% | 0.08% | 0.07% | 0.06% | -20 bps | |
| Allowance / Loans | 1.71% | 0.04% | 0.14% | 0.20% | 0.28% | 0.41% | 0.46% | 0.51% | +30 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 0.3x | 0.3x | 0.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.49% | 8.94% | 8.81% | 9.19% | 9.55% | 9.60% | 9.65% | 9.53% | +34 bps | |
| Total Risk-Based Capital | 12.60% | 10.57% | 11.15% | 11.47% | 12.42% | 12.38% | 13.06% | 13.19% | +171 bps | |
| Equity / Assets | 8.73% | 12.92% | 13.26% | 13.55% | 13.35% | 13.69% | 13.37% | 13.52% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.14% | 76.51% | 78.84% | 78.33% | 76.68% | 77.84% | 76.47% | 78.70% | +37 bps | |
| Liquid Assets / Assets | 2.22% | 0.59% | 0.55% | 0.55% | 0.55% | 0.75% | 0.87% | 1.64% | +109 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |