Burton, MI · Charter 62560
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Burton, MI · Charter 62560
Q4 2014
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.70% | -0.68% | -0.91% | -0.94% | -0.99% | -0.80% | -0.80% | -0.88% | +6 bps | |
| Return on Equity | -6.24% | -6.09% | -8.28% | -8.84% | -10.14% | -8.23% | -8.17% | -9.24% | -39 bps | |
| Net Interest Margin | 1.89% | 1.87% | 1.89% | 1.87% | 1.76% | 1.82% | 1.89% | 1.92% | +5 bps | |
| Efficiency Ratio | 120.31% | 119.27% | 124.06% | 123.98% | 127.00% | 122.08% | 122.71% | 123.59% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.55% | 2.31% | 1.69% | 2.35% | 3.58% | 3.73% | 3.33% | 2.17% | -17 bps | |
| Loan Growth (YoY) | 12.98% | 12.44% | 3.47% | -1.30% | -2.50% | -5.35% | -5.67% | -8.70% | -741 bps | |
| Share Growth (YoY) | 3.42% | 3.48% | 3.12% | 4.15% | 5.61% | 5.63% | 4.81% | 3.40% | -75 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.14% | 0.23% | 0.45% | 0.29% | 0.32% | 0.32% | 0.62% | +17 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 | 0.39% | 0.36% | 0.43% | 0.50% | 0.54% | 0.54% | 0.56% | 0.72% | +21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.15% | 11.10% | 10.96% | 10.64% | 9.80% | 9.73% | 9.75% | 9.53% | -111 bps | |
| Net Worth / Assets | 11.15% | 11.10% | 10.96% | 10.64% | 9.80% | 9.73% | 9.75% | 9.53% | -111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.68% | 35.57% | 35.80% | 35.29% | 32.01% | 31.87% | 32.22% | 31.16% | -413 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |