Ypsilanti, MI · Charter 62184
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.95% | 0.89% | 0.58% | 0.10% | 0.19% | 0.16% | -0.31% | -89 bps | |
| Return on Equity | 6.71% | 7.30% | 6.49% | 4.30% | 0.77% | 1.49% | 1.15% | -2.21% | -651 bps | |
| Net Interest Margin | 2.74% | 2.78% | 2.79% | 2.66% | 2.33% | 2.38% | 2.53% | 2.46% | -20 bps | |
| Efficiency Ratio | 70.27% | 68.36% | 74.22% | 84.31% | 92.95% | 89.17% | 90.62% | 109.50% | +2,518 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.12% | 4.56% | 3.78% | 3.95% | 2.76% | 2.12% | -0.99% | -6.14% | -1,009 bps | |
| Loan Growth (YoY) | -13.30% | -12.89% | -6.16% | -10.33% | -11.54% | 5.71% | 20.33% | 29.38% | +3,972 bps | |
| Share Growth (YoY) | 4.70% | 4.67% | 3.66% | 3.99% | 3.13% | 3.59% | 0.22% | -4.61% | -860 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.69% | 0.27% | 0.47% | 0.38% | 0.67% | 0.50% | 0.37% | -10 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 | 1.37% | 1.20% | 0.80% | 0.67% | 0.77% | 0.69% | 0.69% | 0.66% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.11% | 13.07% | 13.65% | 13.48% | 13.13% | 12.98% | 13.82% | 14.05% | +57 bps | |
| Net Worth / Assets | 13.11% | 13.07% | 13.65% | 13.48% | 13.13% | 12.98% | 13.82% | 14.05% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.55% | 30.86% | 32.50% | 29.71% | 27.92% | 31.49% | 39.02% | 40.30% | +1,059 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |