Grand Blanc, MI · Charter 61813
Q1 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.39% | 0.30% | 0.33% | 0.39% | 0.50% | 0.36% | -4.58% | -490 bps | |
| Return on Equity | 2.55% | 2.66% | 2.08% | 2.34% | 2.74% | 3.46% | 2.52% | -35.33% | -3,767 bps | |
| Net Interest Margin | 1.58% | 1.65% | 1.67% | 1.67% | 1.67% | 1.70% | 1.68% | 1.53% | -13 bps | |
| Efficiency Ratio | 87.77% | 87.31% | 89.30% | 88.58% | 86.99% | 83.73% | 88.13% | 267% | +17,892 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.92% | 0.96% | 3.56% | 3.49% | 2.31% | 2.24% | 3.05% | 0.53% | -296 bps | |
| Loan Growth (YoY) | 3.33% | 5.21% | 3.38% | -2.87% | -6.08% | -5.65% | -4.11% | -1.78% | +109 bps | |
| Share Growth (YoY) | 1.81% | 1.11% | 4.17% | 3.91% | 2.30% | 2.26% | 3.16% | 0.98% | -293 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.43% | 0.62% | 0.38% | 0.47% | 0.41% | 0.32% | 0.10% | -28 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 | 1.21% | 1.14% | 1.21% | 1.06% | 1.00% | 0.85% | 0.75% | 0.53% | -53 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.12% | 14.52% | 14.53% | 13.89% | 14.10% | 14.59% | 14.46% | 12.95% | -94 bps | |
| Net Worth / Assets | 14.12% | 14.52% | 14.53% | 13.89% | 14.10% | 14.59% | 14.46% | 12.95% | -94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.14% | 26.90% | 26.45% | 23.79% | 24.00% | 24.82% | 24.59% | 23.14% | -65 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |