Flint, MI · Charter 61641
Q4 2015
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.55% | 0.65% | 0.47% | 0.18% | 0.00% | 0.12% | -0.03% | -50 bps | |
| Return on Equity | 6.16% | 3.88% | 4.42% | 3.19% | 1.21% | 0.01% | 0.84% | -0.24% | -342 bps | |
| Net Interest Margin | 2.92% | 2.96% | 3.03% | 3.00% | 2.82% | 2.79% | 2.81% | 2.88% | -11 bps | |
| Efficiency Ratio | 84.73% | 89.87% | 88.37% | 91.47% | 96.20% | 99.32% | 95.23% | 93.64% | +217 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.83% | -1.93% | -1.80% | -1.30% | -3.14% | -0.51% | 2.66% | -0.40% | +90 bps | |
| Loan Growth (YoY) | -3.41% | -4.53% | -6.58% | -5.72% | -8.34% | -11.24% | -6.03% | -9.41% | -370 bps | |
| Share Growth (YoY) | -1.53% | -2.70% | -2.64% | -1.97% | -4.08% | -0.72% | 3.24% | -0.54% | +144 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.24% | 2.64% | 2.41% | 2.72% | 1.59% | 3.05% | 2.40% | 2.24% | -49 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 | 3.04% | 3.21% | 3.01% | 2.52% | 2.46% | 2.48% | 2.43% | 2.60% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.95% | 14.16% | 14.79% | 14.63% | 14.69% | 14.59% | 14.56% | 14.75% | +12 bps | |
| Net Worth / Assets | 13.95% | 14.16% | 14.79% | 14.63% | 14.69% | 14.59% | 14.56% | 14.75% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.75% | 39.46% | 39.48% | 38.85% | 37.03% | 35.28% | 35.94% | 35.39% | -347 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |