Romeo, MI · Charter 62029
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 | 0.08% | 0.21% | 0.13% | 0.25% | 0.36% | 0.57% | 0.16% | -0.82% | -107 bps | |
| Return on Equity | 0.61% | 1.56% | 1.01% | 1.94% | 2.62% | 4.05% | 1.20% | -6.42% | -836 bps | |
| Net Interest Margin | 2.93% | 2.92% | 2.45% | 2.49% | 2.70% | 2.72% | 2.39% | 2.50% | +2 bps | |
| Efficiency Ratio | 95.13% | 91.73% | 92.72% | 88.66% | 86.98% | 86.69% | 96.40% | 116.91% | +2,825 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.02% | 0.15% | 0.01% | -0.81% | -0.22% | 0.69% | 1.30% | -1.02% | -21 bps | |
| Loan Growth (YoY) | -8.23% | -6.98% | -6.07% | -1.86% | 2.91% | 2.10% | 3.04% | 8.34% | +1,020 bps | |
| Share Growth (YoY) | 1.36% | -0.56% | -2.10% | -1.85% | -0.46% | 0.24% | 1.26% | -0.31% | +154 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.82% | 1.70% | 1.01% | 0.17% | 0.17% | 0.37% | 0.22% | 0.55% | +38 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 | 1.16% | 1.15% | 0.99% | 1.05% | 1.11% | 0.83% | 0.77% | 0.78% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.21% | 13.65% | 12.72% | 12.70% | 13.65% | 14.13% | 13.09% | 12.84% | +13 bps | |
| Net Worth / Assets | 13.21% | 13.65% | 12.72% | 12.70% | 13.65% | 14.13% | 13.09% | 12.84% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.44% | 50.81% | 46.95% | 46.98% | 51.11% | 51.75% | 47.78% | 51.05% | +407 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |