Wyandotte, MI · Charter 68630
Q1 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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.12% | 0.14% | -0.10% | -0.32% | -0.14% | -0.04% | -4.84% | -475 bps | |
| Return on Equity | 1.12% | 1.23% | 1.39% | -1.05% | -3.40% | -1.42% | -0.40% | -53.07% | -5,202 bps | |
| Net Interest Margin | 2.90% | 2.88% | 2.91% | 2.85% | 2.97% | 3.14% | 2.84% | 3.07% | +22 bps | |
| Efficiency Ratio | 95.29% | 93.78% | 93.93% | 97.21% | 103.62% | 100.58% | 99.25% | 206% | +10,904 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 3.82% | 1.54% | 1.87% | -1.99% | 12.63% | 9.40% | +786 bps | |
| Loan Growth (YoY) | n/a | n/a | -5.97% | -6.02% | -3.95% | -1.97% | 12.36% | 11.15% | +1,718 bps | |
| Share Growth (YoY) | n/a | n/a | 3.15% | 1.01% | 1.69% | -6.26% | 11.48% | 7.93% | +692 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.59% | 1.80% | 1.46% | 0.65% | 1.55% | 1.88% | 0.73% | 1.04% | +39 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 | 1.59% | 1.66% | 1.56% | 1.62% | 1.67% | 1.58% | 1.96% | 1.17% | -45 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.74% | 9.67% | 9.76% | 9.26% | 9.48% | 9.86% | 10.56% | 9.13% | -13 bps | |
| Net Worth / Assets | 9.74% | 9.67% | 9.76% | 9.26% | 9.48% | 9.86% | 10.56% | 9.13% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.86% | 45.60% | 45.43% | 41.82% | 43.32% | 47.69% | 45.79% | 43.07% | +125 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |