Clare, MI · Charter 5743
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Clare, MI · Charter 5743
Q1 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.27% | 0.63% | 0.80% | 0.94% | 0.91% | 1.04% | 0.49% | -31 bps | |
| Return on Equity | 3.57% | 2.66% | 6.23% | 8.03% | 9.37% | 8.92% | 9.87% | 4.86% | -317 bps | |
| Net Interest Margin | 3.04% | 3.24% | 3.32% | 3.22% | 3.16% | 3.19% | 3.23% | 3.13% | -9 bps | |
| Efficiency Ratio | 68.12% | 82.73% | 70.48% | 76.45% | 74.17% | 76.70% | 75.15% | 87.39% | +1,094 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.21% | 8.63% | 10.37% | 17.04% | 17.12% | 13.98% | 10.46% | 7.75% | -928 bps | |
| Loan Growth (YoY) | 26.83% | 18.78% | 15.91% | 6.96% | 9.24% | 9.32% | 2.50% | -0.12% | -707 bps | |
| Share Growth (YoY) | 8.78% | 8.71% | 10.76% | 17.77% | 17.46% | 13.89% | 10.00% | 7.45% | -1,032 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.49% | 0.57% | 0.15% | 0.19% | 0.20% | 0.59% | 0.65% | +51 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 | 0.45% | 0.49% | 0.65% | 0.73% | 0.72% | 0.65% | 0.55% | 0.54% | -19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.41% | 10.14% | 10.15% | 9.97% | 10.05% | 10.20% | 10.50% | 10.18% | +21 bps | |
| Net Worth / Assets | 10.41% | 10.14% | 10.15% | 9.97% | 10.05% | 10.20% | 10.50% | 10.18% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.60% | 74.06% | 75.57% | 70.06% | 71.24% | 71.08% | 70.41% | 65.12% | -493 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |