Farmington Hills, MI · Cert 57861
FDIC · 1 branch
Q4 2015
Market Position · Detroit-Warren-Dearborn, MI · 2015 SOD (annual) · 0.1% share · #35 of 50 inst. · $0.1B of $115.7B
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 0.98% | 1.01% | 1.14% | 1.21% | 0.89% | 1.00% | 1.13% | -1 bps | |
| Return on Equity | 12.43% | 11.33% | 11.56% | 12.76% | 12.71% | 9.20% | 10.29% | 11.44% | -132 bps | |
| Net Interest Margin | 3.86% | 3.82% | 3.83% | 4.00% | 3.87% | 4.01% | 4.09% | 4.08% | +9 bps | |
| Efficiency Ratio | 74.14% | 74.89% | 73.88% | 71.30% | 71.42% | 78.10% | 74.47% | 72.51% | +121 bps | |
| Non-Interest Burden | 2.49% | 2.44% | 2.38% | 2.28% | 2.03% | 2.66% | 2.56% | 2.40% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.33% | 17.45% | 8.39% | 5.03% | 5.74% | -4.78% | 5.33% | 5.28% | +25 bps | |
| Loan Growth (YoY) | -6.50% | 1.81% | -0.80% | 7.32% | 15.28% | 11.76% | 18.81% | 12.03% | +471 bps | |
| Deposit Growth (YoY) | 16.93% | 18.09% | 6.40% | 0.29% | 4.69% | -10.30% | 1.33% | -5.38% | -567 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 | -0.13% | 0.06% | 0.08% | 0.12% | -0.02% | -0.01% | 0.30% | 0.22% | +10 bps | |
| Allowance / Loans | 1.81% | 1.67% | 1.65% | 1.47% | 1.43% | 1.41% | 1.11% | 1.09% | -38 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 | 9.51% | 9.73% | 10.10% | 10.21% | n/a | |
| Total Risk-Based Capital | 13.84% | 13.66% | 13.92% | 13.42% | 13.45% | 13.12% | 13.05% | 13.10% | -32 bps | |
| Equity / Assets | 8.64% | 8.35% | 9.24% | 9.70% | 9.40% | 9.91% | 9.96% | 10.37% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.30% | 75.67% | 82.67% | 92.18% | 85.12% | 94.28% | 96.93% | 109.14% | +1,696 bps | |
| Liquid Assets / Assets | 19.31% | 20.45% | 10.67% | 4.20% | 9.79% | 3.89% | 2.83% | 1.13% | -306 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |