Saginaw, MI · Charter 62087
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Saginaw, MI · Charter 62087
Q4 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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.50% | -2.77% | -2.53% | -2.93% | -1.21% | -0.68% | -0.98% | -0.94% | +199 bps | |
| Return on Equity | -29.48% | -24.23% | -22.38% | -27.24% | -11.80% | -6.69% | -9.60% | -9.28% | +1,796 bps | |
| Net Interest Margin | 2.85% | 2.84% | 2.89% | 2.96% | 2.63% | 2.61% | 2.67% | 2.67% | -30 bps | |
| Efficiency Ratio | 163.94% | 141.64% | 138.26% | 141.00% | 116.63% | 110.18% | 110.81% | 109.58% | -3,142 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.85% | -2.79% | -3.44% | -6.31% | -5.28% | -5.59% | -6.21% | -3.83% | +249 bps | |
| Loan Growth (YoY) | -11.01% | -14.26% | -15.22% | -16.74% | -16.43% | -15.71% | -14.36% | -10.90% | +584 bps | |
| Share Growth (YoY) | -1.66% | -0.74% | -1.24% | -3.02% | -3.68% | -4.49% | -5.18% | -3.42% | -40 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.33% | 4.96% | 4.31% | 1.43% | 0.76% | 1.69% | 2.27% | 2.22% | +79 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 | 2.24% | 2.67% | 2.80% | 3.05% | 2.94% | 3.08% | 3.26% | 3.38% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.87% | 11.44% | 11.32% | 10.76% | 10.27% | 10.22% | 10.22% | 10.13% | -63 bps | |
| Net Worth / Assets | 11.87% | 11.44% | 11.32% | 10.76% | 10.27% | 10.22% | 10.22% | 10.13% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.87% | 46.81% | 46.92% | 45.31% | 42.40% | 41.31% | 42.38% | 41.80% | -351 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |