Norway, MI · Charter 62176
Q2 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.29% | -0.24% | -0.28% | -0.29% | -0.16% | -0.17% | 0.47% | -0.80% | -51 bps | |
| Return on Equity | -3.35% | -2.78% | -3.32% | -3.37% | -1.84% | -1.95% | 5.66% | -10.48% | -711 bps | |
| Net Interest Margin | 3.17% | 3.20% | 3.07% | 3.12% | 3.20% | 3.31% | 3.12% | 3.12% | 0 bps | |
| Efficiency Ratio | 107.13% | 105.76% | 107.12% | 107.00% | 103.74% | 103.86% | 106.37% | 127.18% | +2,018 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.32% | -2.66% | -3.56% | -5.07% | 1.00% | -0.45% | 1.14% | 5.67% | +1,074 bps | |
| Loan Growth (YoY) | 7.79% | 9.17% | 8.64% | 5.35% | 5.38% | 6.25% | 12.22% | 12.16% | +682 bps | |
| Share Growth (YoY) | -3.84% | -3.78% | -3.31% | -5.09% | -0.04% | 0.10% | 1.00% | 7.69% | +1,278 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.05% | 0.05% | 0.01% | 0.05% | 0.03% | 0.11% | 0.25% | +24 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 | 0.58% | 0.57% | 0.60% | 0.54% | 0.52% | 0.46% | 0.16% | 0.16% | -38 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.80% | 8.76% | 8.36% | 8.51% | 8.57% | 8.63% | 8.29% | 7.63% | -88 bps | |
| Net Worth / Assets | 8.80% | 8.76% | 8.36% | 8.51% | 8.57% | 8.63% | 8.29% | 7.63% | -88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.49% | 66.59% | 61.89% | 66.06% | 69.04% | 70.68% | 68.77% | 68.81% | +274 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |