Petoskey, MI · Cert 35324
FDIC · 2 branches
Q3 2015
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.67% | 0.69% | 0.74% | 0.89% | 1.03% | 1.02% | 0.99% | +24 bps | |
| Return on Equity | 8.89% | 7.95% | 8.01% | 8.80% | 10.45% | 12.16% | 9.44% | 8.14% | -65 bps | |
| Net Interest Margin | 3.01% | 2.98% | 3.02% | 2.85% | 3.05% | 3.13% | 3.34% | 3.10% | +25 bps | |
| Efficiency Ratio | 64.67% | 69.10% | 70.06% | 69.75% | 64.60% | 64.41% | 69.17% | 65.72% | -402 bps | |
| Non-Interest Burden | 1.75% | 1.98% | 2.04% | 1.91% | 1.87% | 1.88% | 2.01% | 1.81% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.44% | 8.36% | 5.05% | 5.43% | 3.29% | 9.94% | 9.98% | 1.00% | -443 bps | |
| Loan Growth (YoY) | 3.37% | 3.91% | 8.70% | 10.43% | 11.39% | 10.32% | 9.54% | 3.74% | -669 bps | |
| Deposit Growth (YoY) | 3.27% | 1.05% | 3.69% | 6.96% | 4.12% | 11.63% | 1.29% | -9.35% | -1,631 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 | 0.20% | -0.08% | 0.01% | -0.05% | -0.07% | 0.04% | 0.01% | 0.01% | +5 bps | |
| Allowance / Loans | 2.01% | 2.02% | 1.93% | 1.93% | 1.89% | 1.88% | 0.00% | 0.00% | -193 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 | 8.82% | 9.09% | 9.02% | n/a | |
| Total Risk-Based Capital | 13.39% | 13.29% | 13.09% | 12.91% | 12.83% | 11.86% | 10.13% | 10.88% | -203 bps | |
| Equity / Assets | 8.51% | 8.44% | 8.86% | 8.03% | 8.72% | 8.19% | 15.55% | 15.88% | +785 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.46% | 88.13% | 94.26% | 84.60% | 94.63% | 87.10% | 101.93% | 96.81% | +1,221 bps | |
| Liquid Assets / Assets | 7.68% | 9.09% | 5.89% | 14.03% | 7.87% | 11.03% | 1.91% | 0.82% | -1,321 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |