Sterling Hghts, MI · Charter 62030
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 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.
Sterling Hghts, MI · Charter 62030
Q1 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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.23% | 0.19% | -0.06% | -0.11% | -0.17% | -0.13% | -10.82% | -1,075 bps | |
| Return on Equity | 3.04% | 2.07% | 1.69% | -0.58% | -1.02% | -1.63% | -1.15% | -120.76% | -12,018 bps | |
| Net Interest Margin | 3.10% | 3.11% | 3.05% | 2.85% | 2.79% | 2.67% | 2.88% | 3.14% | +29 bps | |
| Efficiency Ratio | 90.73% | 93.70% | 94.74% | 101.91% | 103.48% | 105.64% | 104.02% | 401% | +29,892 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.24% | 4.88% | 2.60% | 1.14% | -2.37% | 1.43% | -5.41% | -7.15% | -829 bps | |
| Loan Growth (YoY) | -6.87% | -3.31% | -7.91% | -13.55% | -19.22% | -16.04% | -13.67% | -9.79% | +375 bps | |
| Share Growth (YoY) | 4.81% | 5.40% | 2.96% | 1.31% | -2.43% | 1.93% | -5.95% | -7.62% | -892 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.21% | 5.62% | 6.35% | 0.79% | 0.17% | 0.08% | 0.36% | 0.35% | -44 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 | 1.75% | 1.52% | 1.59% | 1.51% | 0.94% | 0.77% | 0.82% | 0.85% | -66 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.91% | 10.97% | 11.07% | 10.94% | 11.14% | 10.70% | 11.57% | 8.96% | -198 bps | |
| Net Worth / Assets | 10.91% | 10.97% | 11.07% | 10.94% | 11.14% | 10.70% | 11.57% | 8.96% | -198 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.86% | 45.96% | 43.27% | 40.17% | 37.97% | 37.86% | 39.72% | 39.22% | -95 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |