Clarkston, MI · Cert 34957
FDIC · 2 branches
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, 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.
Clarkston, MI · Cert 34957
FDIC · 2 branches
Q4 2019
Market Position · Detroit-Warren-Dearborn, MI · 2019 SOD (annual) · 0.1% share · #26 of 43 inst. · $0.2B of $140.6B
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.22% | 1.24% | 1.26% | 1.17% | 1.28% | 1.32% | 1.01% | -26 bps | |
| Return on Equity | 10.78% | 12.09% | 12.25% | 12.45% | 11.37% | 12.45% | 12.76% | 9.76% | -269 bps | |
| Net Interest Margin | 3.68% | 3.68% | 3.64% | 3.62% | 3.79% | 3.71% | 3.74% | 3.69% | +7 bps | |
| Efficiency Ratio | 65.27% | 62.16% | 61.35% | 60.61% | 62.74% | 59.86% | 58.68% | 67.95% | +733 bps | |
| Non-Interest Burden | 2.29% | 2.13% | 2.08% | 2.06% | 2.29% | 2.12% | 2.10% | 2.44% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.76% | 6.00% | 2.47% | 9.52% | 8.78% | 9.23% | 9.86% | 10.12% | +60 bps | |
| Loan Growth (YoY) | 9.09% | 8.31% | 6.62% | 11.29% | 9.91% | 11.24% | 12.43% | 4.80% | -650 bps | |
| Deposit Growth (YoY) | 9.54% | 8.90% | 2.43% | 3.86% | 8.49% | 4.13% | 9.49% | 16.24% | +1,238 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 | 0.00% | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.16% | 1.13% | 1.13% | 1.07% | 1.06% | 1.02% | 1.00% | 1.03% | -5 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 | 9.37% | 9.68% | 9.77% | 10.05% | 10.13% | 10.07% | 10.41% | 10.25% | +20 bps | |
| Total Risk-Based Capital | 11.33% | 11.42% | 11.73% | 11.70% | 11.84% | 11.89% | 11.94% | 12.17% | +47 bps | |
| Equity / Assets | 9.94% | 10.17% | 10.14% | 10.30% | 10.20% | 10.45% | 10.41% | 10.26% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.17% | 100.68% | 98.48% | 107.72% | 99.45% | 107.54% | 101.12% | 97.11% | -1,060 bps | |
| Liquid Assets / Assets | 4.34% | 1.83% | 4.13% | 1.64% | 4.22% | 1.65% | 2.64% | 9.05% | +740 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |