Ann Arbor, MI · Cert 58889
FDIC · 3 branches
Q4 2019
Market Position · Ann Arbor, MI · 2019 SOD (annual) · 2.5% share · #13 of 19 inst. · $0.2B of $9.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.28% | 1.42% | 1.38% | 1.40% | 1.22% | 1.32% | 1.22% | 0.37% | -103 bps | |
| Return on Equity | 11.45% | 12.67% | 12.31% | 12.31% | 10.46% | 11.10% | 10.07% | 3.17% | -915 bps | |
| Net Interest Margin | 3.65% | 3.60% | 3.65% | 3.69% | 3.52% | 3.56% | 3.41% | 3.40% | -29 bps | |
| Efficiency Ratio | 60.99% | 59.07% | 59.84% | 58.36% | 59.64% | 59.22% | 62.40% | 89.55% | +3,119 bps | |
| Non-Interest Burden | 2.02% | 1.86% | 1.94% | 1.96% | 1.92% | 1.82% | 1.86% | 2.97% | +100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.19% | 4.54% | 4.57% | 5.89% | 10.40% | 5.94% | 7.54% | 3.31% | -258 bps | |
| Loan Growth (YoY) | 15.01% | 9.79% | 5.62% | 11.61% | 10.11% | 5.22% | 4.19% | -5.21% | -1,682 bps | |
| Deposit Growth (YoY) | 5.11% | 4.75% | 6.03% | 4.65% | 9.92% | 4.25% | 6.85% | 6.00% | +135 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.35% | 0.31% | 0.31% | 0.14% | +14 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.17% | 0.00% | 0.73% | +73 bps | |
| Allowance / Loans | 0.78% | 0.78% | 0.77% | 0.76% | 0.81% | 0.82% | 0.83% | 0.74% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 2.3x | 2.6x | 2.7x | 5.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.43% | 11.49% | 11.55% | 11.64% | 11.96% | 12.20% | 12.25% | 11.15% | -49 bps | |
| Total Risk-Based Capital | 14.38% | 14.44% | 14.23% | 14.30% | 14.81% | 15.55% | 15.40% | 14.62% | +32 bps | |
| Equity / Assets | 11.32% | 11.18% | 11.18% | 11.62% | 11.69% | 12.18% | 12.02% | 11.43% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.20% | 86.60% | 87.16% | 93.47% | 89.36% | 87.41% | 84.99% | 83.58% | -989 bps | |
| Liquid Assets / Assets | 1.96% | 4.35% | 4.43% | 1.20% | 5.45% | 7.76% | 8.94% | 11.39% | +1,019 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |