Kalamazoo, MI · Charter 4103
Q3 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.51% | 0.43% | 0.44% | 0.50% | 0.49% | 0.68% | -0.23% | -67 bps | |
| Return on Equity | 2.39% | 2.86% | 2.43% | 2.41% | 2.72% | 2.69% | 3.63% | -1.45% | -387 bps | |
| Net Interest Margin | 2.45% | 2.54% | 2.41% | 2.45% | 2.49% | 2.14% | 2.21% | 2.30% | -15 bps | |
| Efficiency Ratio | 80.14% | 80.80% | 82.41% | 82.91% | 81.19% | 79.87% | 73.64% | 106.02% | +2,311 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.26% | 0.82% | 0.96% | 1.07% | 2.42% | 0.32% | -1.90% | -4.74% | -582 bps | |
| Loan Growth (YoY) | 2.20% | -0.34% | -2.70% | 1.10% | 2.39% | -0.40% | 3.55% | -1.64% | -275 bps | |
| Share Growth (YoY) | 0.05% | 0.27% | 0.17% | 0.71% | 1.98% | -0.52% | -0.93% | 0.08% | -63 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.73% | 0.48% | 0.49% | 0.48% | 0.77% | 0.46% | 0.07% | -42 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.53% | 0.52% | 0.54% | 0.55% | 0.59% | 0.58% | 0.61% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.25% | 17.72% | 17.86% | 18.14% | 18.31% | 18.15% | 18.83% | 15.76% | -238 bps | |
| Net Worth / Assets | 18.25% | 17.72% | 17.86% | 18.14% | 18.31% | 18.15% | 18.83% | 15.76% | -238 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.03% | 49.50% | 49.16% | 51.87% | 52.24% | 49.56% | 51.39% | 50.97% | -89 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |