Owosso, MI · Charter 62055
Q1 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.38% | -0.90% | -0.84% | -0.03% | 0.18% | 0.10% | 0.19% | -0.31% | -28 bps | |
| Return on Equity | -5.31% | -12.97% | -12.36% | -0.46% | 2.72% | 1.57% | 2.84% | -4.88% | -441 bps | |
| Net Interest Margin | 3.34% | 3.47% | 3.44% | 2.96% | 3.12% | 3.16% | 3.16% | 2.77% | -19 bps | |
| Efficiency Ratio | 94.16% | 97.62% | 93.02% | 96.93% | 93.04% | 95.59% | 94.34% | 108.49% | +1,157 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.49% | -5.62% | 1.15% | 5.83% | 2.40% | 3.28% | 2.69% | -0.23% | -606 bps | |
| Loan Growth (YoY) | -14.33% | -16.90% | -18.39% | -8.59% | -5.21% | 1.09% | 2.20% | -1.45% | +714 bps | |
| Share Growth (YoY) | 3.25% | -3.96% | 3.14% | 6.02% | 1.43% | 1.31% | 0.12% | 0.96% | -506 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.53% | 2.77% | 2.81% | 0.44% | 0.48% | 0.70% | 0.60% | 0.50% | +6 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 | 1.51% | 2.15% | 2.54% | 1.97% | 1.99% | 1.98% | 1.98% | 1.98% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.20% | 6.95% | 6.79% | 6.31% | 6.51% | 6.65% | 6.80% | 6.44% | +13 bps | |
| Net Worth / Assets | 7.20% | 6.95% | 6.79% | 6.31% | 6.51% | 6.65% | 6.80% | 6.44% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.22% | 47.91% | 46.02% | 44.50% | 46.00% | 47.81% | 46.98% | 43.44% | -106 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |