Davison, MI · Cert 35345
FDIC · 6 branches
Q1 2019
Market Position · Detroit-Warren-Dearborn, MI · 2018 SOD (annual) · 0.1% share · #32 of 46 inst. · $0.1B of $133.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.20% | 1.06% | 0.60% | 0.67% | 0.51% | 0.75% | 1.11% | 0.86% | +19 bps | |
| Return on Equity | 9.89% | 8.23% | 4.67% | 5.39% | 4.09% | 5.80% | 8.49% | 6.67% | +128 bps | |
| Net Interest Margin | 4.12% | 3.97% | 3.78% | 3.87% | 3.73% | 3.92% | 3.98% | 3.92% | +5 bps | |
| Efficiency Ratio | 68.03% | 71.40% | 84.74% | 81.88% | 86.02% | 80.24% | 87.56% | 76.92% | -496 bps | |
| Non-Interest Burden | 2.22% | 2.32% | 3.00% | 2.96% | 3.00% | 2.94% | 3.37% | 2.88% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.59% | -2.11% | 1.96% | 1.77% | 6.99% | 4.46% | 4.10% | 0.07% | -169 bps | |
| Loan Growth (YoY) | -0.36% | 0.76% | 4.14% | 16.54% | 9.56% | 11.30% | 2.80% | -5.01% | -2,156 bps | |
| Deposit Growth (YoY) | 0.30% | -3.70% | 1.37% | 1.74% | 7.47% | 4.66% | 3.83% | -0.78% | -252 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.75% | 0.60% | 0.02% | 0.32% | 0.32% | 0.02% | 0.02% | 0.05% | -27 bps | |
| Net Charge-Offs / Loans | -0.10% | 0.67% | -0.05% | -0.06% | -0.10% | -0.04% | -0.09% | -0.02% | +4 bps | |
| Allowance / Loans | 1.48% | 1.32% | 1.12% | 1.05% | 1.12% | 1.13% | 0.93% | 0.94% | -11 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.2x | 60.8x | 3.3x | 3.5x | 49.5x | 41.4x | 18.3x | +15.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.70% | 12.33% | 12.21% | 12.17% | 12.30% | 11.78% | 12.33% | 12.21% | +3 bps | |
| Total Risk-Based Capital | 18.32% | 18.32% | 16.95% | 18.28% | 18.97% | 17.44% | 18.47% | 19.94% | +166 bps | |
| Equity / Assets | 12.58% | 13.26% | 12.49% | 12.33% | 12.43% | 13.34% | 12.74% | 13.12% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.64% | 99.70% | 98.51% | 103.08% | 98.52% | 106.02% | 97.53% | 98.67% | -440 bps | |
| Liquid Assets / Assets | 11.89% | 9.63% | 9.73% | 7.48% | 12.02% | 6.41% | 13.23% | 12.36% | +487 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |