Dearborn, MI · Charter 62237
Q4 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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.78% | 0.75% | 0.55% | -0.01% | 0.29% | 0.82% | 0.50% | -5 bps | |
| Return on Equity | 6.56% | 7.03% | 6.49% | 4.62% | -0.06% | 2.74% | 7.38% | 4.42% | -20 bps | |
| Net Interest Margin | 4.08% | 4.16% | 4.45% | 4.65% | 3.95% | 4.01% | 4.15% | 4.32% | -32 bps | |
| Efficiency Ratio | 78.72% | 78.26% | 77.52% | 79.81% | 85.86% | 84.47% | 80.00% | 87.03% | +722 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.03% | 6.80% | 4.31% | 1.97% | 3.77% | 5.37% | 10.41% | 9.74% | +777 bps | |
| Loan Growth (YoY) | 4.11% | 2.65% | 2.18% | 0.03% | -0.27% | -1.50% | 1.12% | 2.40% | +237 bps | |
| Share Growth (YoY) | 4.10% | 2.63% | 4.00% | 5.95% | 4.68% | 9.74% | 6.94% | 10.22% | +427 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.31% | 1.29% | 0.69% | 0.85% | 0.30% | 0.39% | 0.66% | 0.78% | -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% | 1.61% | 1.44% | 1.89% | 2.06% | 2.09% | 1.89% | 1.54% | -35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.93% | 11.04% | 11.63% | 11.83% | 10.86% | 10.74% | 11.12% | 11.27% | -55 bps | |
| Net Worth / Assets | 10.93% | 11.04% | 11.63% | 11.83% | 10.86% | 10.74% | 11.12% | 11.27% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.90% | 72.87% | 73.59% | 74.53% | 66.60% | 65.41% | 69.58% | 69.24% | -529 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |