Manistee, MI · Charter 62037
Q1 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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.41% | -2.48% | -2.65% | -2.51% | -2.91% | -2.78% | -3.01% | -8.48% | -597 bps | |
| Return on Equity | -12.06% | -12.45% | -13.52% | -13.73% | -16.79% | -16.54% | -18.04% | -52.87% | -3,915 bps | |
| Net Interest Margin | 2.21% | 2.26% | 2.26% | 1.85% | 1.76% | 1.70% | 1.72% | 1.50% | -35 bps | |
| Efficiency Ratio | 206% | 207% | 213% | 231% | 260% | 257% | 268% | 643% | +41,179 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.58% | -5.15% | -1.29% | -3.05% | -0.91% | 1.66% | -0.33% | -11.87% | -882 bps | |
| Loan Growth (YoY) | -1.56% | 7.80% | -11.02% | -13.34% | -13.42% | -24.59% | -25.38% | -26.89% | -1,355 bps | |
| Share Growth (YoY) | -1.71% | -3.58% | 1.71% | -0.61% | 2.37% | 5.65% | 3.33% | -9.09% | -848 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 2.35% | 2.31% | 2.35% | 2.63% | 2.72% | 3.06% | 3.15% | 3.59% | +97 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.94% | 19.91% | 19.60% | 18.27% | 17.34% | 16.78% | 16.66% | 16.04% | -223 bps | |
| Net Worth / Assets | 19.94% | 19.91% | 19.60% | 18.27% | 17.34% | 16.78% | 16.66% | 16.04% | -223 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.10% | 44.11% | 44.27% | 37.42% | 35.60% | 31.49% | 31.97% | 30.09% | -733 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |