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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 0.93% | 0.91% | 0.94% | 1.00% | +6 bps | |
| Return on Equity | 7.71% | 7.53% | 6.72% | 6.97% | 7.42% | -29 bps | |
| Net Interest Margin | 3.23% | 3.45% | 3.89% | 3.90% | 3.84% | +61 bps | |
| Efficiency Ratio | 66.95% | 68.46% | 70.88% | 71.47% | 70.78% | +382 bps | |
| Non-Interest Burden | 1.91% | 2.09% | 2.35% | 2.44% | 2.39% | +48 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.13% | 3.96% | -0.52% | 3.75% | 4.23% | +110 bps | |
| Loan Growth (YoY) | 3.61% | 0.42% | 0.33% | 0.59% | 4.84% | +122 bps | |
| Deposit Growth (YoY) | -2.54% | -1.60% | -1.38% | 3.70% | 4.35% | +688 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.45% | 1.72% | 2.22% | +222 bps | |
| Net Charge-Offs / Loans | 0.26% | 0.22% | 0.08% | 0.07% | 0.06% | -20 bps | |
| Allowance / Loans | 0.20% | 0.28% | 0.41% | 0.46% | 0.51% | +30 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 0.3x | 0.3x | 0.2x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.19% | 9.55% | 9.60% | 9.65% | 9.53% | +34 bps | |
| Total Risk-Based Capital | 11.47% | 12.42% | 12.38% | 13.06% | 13.19% | +171 bps | |
| Equity / Assets | 13.55% | 13.35% | 13.69% | 13.37% | 13.52% | -3 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.33% | 76.68% | 77.84% | 76.47% | 78.70% | +37 bps | |
| Liquid Assets / Assets | 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 |