Auburn Hills, MI · Charter 7280
Q3 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 1.23% | 1.35% | 1.29% | 1.25% | 0.54% | 0.42% | 0.79% | -51 bps | |
| Return on Equity | 3.13% | 12.57% | 13.11% | 11.92% | 11.35% | 5.07% | 3.96% | 6.94% | -499 bps | |
| Net Interest Margin | 3.93% | 4.34% | 4.44% | 4.55% | 4.47% | 3.98% | 4.01% | 4.11% | -44 bps | |
| Efficiency Ratio | 64.45% | 69.23% | 67.16% | 66.35% | 65.31% | 70.89% | 68.77% | 69.40% | +305 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.52% | -0.61% | -0.52% | -0.56% | 0.32% | 2.29% | 3.66% | 3.66% | +423 bps | |
| Loan Growth (YoY) | -5.85% | 4.18% | 4.80% | 5.12% | 0.39% | -4.78% | 0.05% | 4.88% | -25 bps | |
| Share Growth (YoY) | -1.01% | -1.70% | -1.92% | -2.59% | -0.76% | 1.19% | 2.98% | 2.89% | +548 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.81% | 1.29% | 2.21% | 2.78% | 2.24% | 2.11% | 2.17% | 1.65% | -113 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 | 2.05% | 1.89% | 1.82% | 1.87% | 1.72% | 1.74% | 1.84% | 1.66% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.78% | 9.81% | 10.31% | 10.84% | 11.00% | 10.62% | 10.69% | 11.33% | +49 bps | |
| Net Worth / Assets | 9.78% | 9.81% | 10.31% | 10.84% | 11.00% | 10.62% | 10.69% | 11.33% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.36% | 90.70% | 92.16% | 93.76% | 90.39% | 85.35% | 89.54% | 95.57% | +181 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |