Owosso, MI · Charter 62440
Q4 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.63% | -0.80% | -0.66% | -0.53% | -0.20% | 0.02% | 0.17% | 0.14% | +66 bps | |
| Return on Equity | -5.45% | -7.21% | -5.74% | -4.78% | -2.06% | 0.15% | 1.64% | 1.29% | +607 bps | |
| Net Interest Margin | 1.96% | 1.94% | 2.09% | 2.05% | 2.04% | 2.29% | 2.55% | 2.59% | +54 bps | |
| Efficiency Ratio | 123.13% | 131.38% | 124.07% | 119.59% | 107.79% | 99.48% | 94.60% | 95.80% | -2,380 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.89% | 3.16% | 3.86% | 7.77% | 14.73% | 6.65% | 9.26% | 4.66% | -311 bps | |
| Loan Growth (YoY) | 9.98% | 15.30% | 35.05% | 45.96% | 69.57% | 72.13% | 57.96% | 49.95% | +399 bps | |
| Share Growth (YoY) | 8.21% | 5.16% | 4.07% | 9.03% | 17.46% | 7.48% | 11.39% | 3.06% | -597 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.36% | 0.39% | 1.22% | 1.03% | 0.79% | 1.42% | 0.87% | -36 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 | 0.89% | 0.81% | 0.83% | 0.80% | 0.71% | 0.62% | 0.57% | 0.13% | -66 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.48% | 11.04% | 11.51% | 10.99% | 9.63% | 10.24% | 10.62% | 10.64% | -35 bps | |
| Net Worth / Assets | 11.48% | 11.04% | 11.51% | 10.99% | 9.63% | 10.24% | 10.62% | 10.64% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.20% | 36.32% | 45.58% | 46.41% | 46.48% | 58.17% | 64.64% | 67.52% | +2,111 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |