Troy, MI · Cert 58132
FDIC · 80 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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.
Troy, MI · Cert 58132
FDIC · 80 branches
Q3 2016
Market Position · Detroit-Warren-Dearborn, MI · 2016 SOD (annual) · 2.4% share · #9 of 49 inst. · $2.9B of $121.7B
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | 0.81% | 1.00% | 1.25% | 1.16% | 1.41% | 1.28% | -0.23% | -148 bps | |
| Return on Equity | 10.64% | 6.94% | 8.71% | 10.91% | 10.12% | 12.29% | 11.05% | -1.63% | -1,254 bps | |
| Net Interest Margin | 3.32% | 3.27% | 3.03% | 3.50% | 3.33% | 3.43% | 3.41% | 0.37% | -312 bps | |
| Efficiency Ratio | 72.26% | 74.36% | 74.54% | 69.46% | 72.17% | 61.59% | 59.37% | 159.07% | +8,961 bps | |
| Non-Interest Burden | 2.03% | 2.05% | 1.84% | 1.92% | 1.98% | 1.79% | 1.65% | 0.60% | -132 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 118.59% | 22.84% | 19.96% | 32.54% | 30.55% | 23.04% | 22.85% | 16.90% | -1,564 bps | |
| Loan Growth (YoY) | 159.02% | 28.91% | 25.31% | 30.60% | 25.74% | 21.21% | 20.57% | 6.91% | -2,369 bps | |
| Deposit Growth (YoY) | 101.50% | 15.11% | 20.75% | 34.46% | 28.79% | 25.39% | 23.05% | 4.26% | -3,020 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 | 0.20% | 0.39% | -0.13% | -0.14% | -0.16% | 0.04% | 0.18% | 0.00% | +14 bps | |
| Allowance / Loans | 1.27% | 1.11% | 1.05% | 1.16% | 1.11% | 1.06% | 1.01% | 0.02% | -114 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 | 11.37% | 11.14% | 11.27% | 10.54% | 10.67% | 10.89% | 10.88% | -38 bps | |
| Total Risk-Based Capital | 16.29% | 14.34% | 14.20% | 13.59% | 13.48% | 13.67% | 13.85% | 12.70% | -89 bps | |
| Equity / Assets | 11.90% | 11.40% | 11.31% | 11.37% | 11.40% | 11.61% | 11.63% | 21.23% | +986 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.12% | 99.08% | 98.36% | 93.46% | 96.77% | 95.77% | 96.38% | 95.84% | +238 bps | |
| Liquid Assets / Assets | 0.85% | 4.46% | 1.83% | 1.64% | 2.11% | 2.18% | 2.68% | 0.75% | -89 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |