Charlotte, MI · Charter 61954
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.19% | -0.61% | -0.53% | -0.87% | -0.84% | -0.84% | -1.01% | -1.94% | -107 bps | |
| Return on Equity | -1.81% | -5.81% | -5.09% | -8.83% | -8.76% | -8.90% | -11.06% | -23.69% | -1,486 bps | |
| Net Interest Margin | 2.70% | 2.73% | 2.68% | 2.41% | 2.36% | 2.30% | 2.27% | 1.91% | -50 bps | |
| Efficiency Ratio | 104.65% | 115.00% | 113.09% | 114.46% | 119.42% | 123.19% | 129.70% | 178.35% | +6,390 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.31% | 0.61% | 3.21% | 1.38% | 2.26% | 3.88% | 2.23% | 4.13% | +275 bps | |
| Loan Growth (YoY) | -0.05% | 0.69% | -4.29% | -5.62% | -8.42% | -10.04% | -10.94% | -17.03% | -1,141 bps | |
| Share Growth (YoY) | 5.59% | 1.67% | 4.43% | 2.28% | 3.50% | 5.14% | 3.63% | 6.03% | +375 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.10% | 0.48% | 0.38% | 1.19% | 0.23% | 0.26% | 0.16% | 0.31% | -88 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 | 0.48% | 0.52% | 0.57% | 0.87% | 0.34% | 0.32% | 0.32% | 0.30% | -57 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.70% | 10.51% | 10.34% | 9.82% | 9.63% | 9.42% | 9.10% | 8.20% | -163 bps | |
| Net Worth / Assets | 10.70% | 10.51% | 10.34% | 9.82% | 9.63% | 9.42% | 9.10% | 8.20% | -163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.38% | 41.42% | 40.17% | 38.16% | 36.62% | 35.44% | 34.52% | 29.86% | -830 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |