Pontiac, MI · Charter 60150
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Pontiac, MI · Charter 60150
Q2 2014
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.77% | 0.57% | 1.10% | 1.26% | 1.43% | 0.79% | 0.69% | -41 bps | |
| Return on Equity | 6.45% | 7.64% | 5.71% | 10.45% | 11.41% | 12.27% | 6.87% | 5.83% | -462 bps | |
| Net Interest Margin | 3.57% | 3.54% | 3.08% | 3.07% | 3.09% | 3.10% | 2.83% | 2.80% | -27 bps | |
| Efficiency Ratio | 64.65% | 62.99% | 65.66% | 65.05% | 70.64% | 73.04% | 85.79% | 83.51% | +1,845 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.14% | -2.85% | -4.14% | -2.27% | -1.37% | -1.94% | -1.30% | -0.88% | +139 bps | |
| Loan Growth (YoY) | -13.38% | -14.01% | -15.61% | -16.22% | -14.10% | -11.36% | -10.93% | -9.22% | +700 bps | |
| Share Growth (YoY) | -4.00% | -3.68% | -5.21% | -3.63% | -2.62% | -3.99% | -2.82% | -2.20% | +143 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.41% | 2.10% | 2.24% | 1.71% | 1.78% | 2.52% | 2.25% | 2.58% | +87 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 | 4.45% | 4.14% | 4.38% | 4.22% | 3.73% | 3.06% | 2.80% | 2.75% | -147 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.69% | 10.02% | 9.98% | 10.51% | 11.07% | 11.65% | 11.56% | 11.80% | +129 bps | |
| Net Worth / Assets | 9.69% | 10.02% | 9.98% | 10.51% | 11.07% | 11.65% | 11.56% | 11.80% | +129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.46% | 68.41% | 64.69% | 62.26% | 62.16% | 63.16% | 59.29% | 57.80% | -447 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |