Birmingham, MI · Cert 58101
FDIC · 1 branch
Q4 2016
Market Position · Detroit-Warren-Dearborn, MI · 2016 SOD (annual) · 0.2% share · #20 of 49 inst. · $0.3B of $121.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 1.17% | 0.98% | 0.99% | 0.58% | 0.69% | 1.25% | 1.10% | +11 bps | |
| Return on Equity | 7.24% | 13.41% | 11.57% | 11.62% | 7.12% | 8.45% | 15.35% | 13.36% | +174 bps | |
| Net Interest Margin | 3.86% | 3.84% | 3.98% | 3.88% | 3.75% | 3.72% | 3.90% | 3.70% | -18 bps | |
| Efficiency Ratio | 62.82% | 57.27% | 64.91% | 64.16% | 62.89% | 59.05% | 55.12% | 55.71% | -846 bps | |
| Non-Interest Burden | 2.27% | 1.78% | 2.49% | 2.31% | 2.24% | 2.07% | 1.88% | 1.92% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.01% | 11.35% | 15.13% | 17.80% | 30.85% | 20.46% | 28.03% | 19.03% | +123 bps | |
| Loan Growth (YoY) | 17.45% | 22.25% | 23.25% | 21.55% | 19.76% | 17.44% | 17.06% | 17.12% | -443 bps | |
| Deposit Growth (YoY) | 7.39% | 10.45% | 14.57% | 17.73% | 32.30% | 21.06% | 29.01% | 19.16% | +143 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 | 0.00% | 0.00% | 0.00% | 0.26% | 0.00% | 0.93% | 0.46% | 0.00% | -26 bps | |
| Allowance / Loans | 1.27% | 1.27% | 1.23% | 1.14% | 1.29% | 1.17% | 1.03% | 1.02% | -12 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 | 8.65% | 8.58% | 8.46% | 8.42% | 8.19% | 8.37% | 8.48% | 8.19% | -23 bps | |
| Total Risk-Based Capital | 10.66% | 10.49% | 10.32% | 10.32% | 10.52% | 10.65% | 10.51% | 10.21% | -11 bps | |
| Equity / Assets | 8.94% | 8.48% | 8.45% | 8.56% | 7.90% | 8.41% | 7.95% | 8.54% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.20% | 98.34% | 98.60% | 100.45% | 90.70% | 95.39% | 89.46% | 98.73% | -172 bps | |
| Liquid Assets / Assets | 3.93% | 5.99% | 4.67% | 5.13% | 13.06% | 9.78% | 15.07% | 7.50% | +237 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |