Allen Park, MI · Charter 62317
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.
Allen Park, MI · Charter 62317
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 | 1.09% | 1.05% | 0.76% | 0.83% | 0.08% | 0.25% | 0.33% | -2.22% | -305 bps | |
| Return on Equity | 15.15% | 14.27% | 10.06% | 10.67% | 1.07% | 3.35% | 4.14% | -40.21% | -5,087 bps | |
| Net Interest Margin | 3.40% | 3.30% | 3.36% | 3.29% | 2.95% | 2.90% | 3.05% | 3.06% | -23 bps | |
| Efficiency Ratio | 84.47% | 81.98% | 86.26% | 86.60% | 94.88% | 91.92% | 92.82% | 149.63% | +6,302 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.71% | 5.02% | 4.11% | 5.95% | 4.30% | 4.56% | 2.58% | -0.06% | -601 bps | |
| Loan Growth (YoY) | -8.87% | -8.09% | -7.64% | -6.70% | -6.52% | -5.78% | -5.50% | -7.19% | -49 bps | |
| Share Growth (YoY) | 3.20% | 4.63% | 3.35% | 5.44% | 4.08% | 3.25% | 2.49% | 0.95% | -449 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.50% | 0.32% | 0.88% | 0.27% | 0.60% | 0.67% | 0.60% | -28 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 | 1.05% | 0.95% | 0.84% | 0.61% | 0.63% | 0.61% | 0.48% | 0.48% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.18% | 7.35% | 7.58% | 7.75% | 7.43% | 7.43% | 7.89% | 5.53% | -222 bps | |
| Net Worth / Assets | 7.18% | 7.35% | 7.58% | 7.75% | 7.43% | 7.43% | 7.89% | 5.53% | -222 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.73% | 51.31% | 52.30% | 51.37% | 47.36% | 46.83% | 48.22% | 47.23% | -414 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |