Alma, MI · Cert 9108
FDIC
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.77% | 0.15% | 0.32% | 0.77% | 0.67% | 0.87% | 1.03% | +72 bps | |
| Return on Equity | 8.68% | 9.35% | 1.79% | 3.62% | 8.92% | 7.84% | 9.91% | 11.62% | +800 bps | |
| Net Interest Margin | 3.37% | 3.40% | 5.44% | 3.50% | 3.41% | 3.31% | 3.34% | 3.22% | -28 bps | |
| Efficiency Ratio | 61.01% | 58.24% | 65.28% | 60.44% | 59.91% | 58.08% | 58.21% | 57.96% | -248 bps | |
| Non-Interest Burden | 1.82% | 1.70% | 3.17% | 1.78% | 1.61% | 1.61% | 1.56% | 1.42% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.98% | -1.66% | 33.40% | 41.38% | 44.99% | 41.88% | 2.05% | 1.07% | -4,031 bps | |
| Loan Growth (YoY) | -13.69% | -12.65% | 32.45% | 36.14% | 37.56% | 41.58% | -2.96% | -2.88% | -3,902 bps | |
| Deposit Growth (YoY) | 4.93% | 0.46% | 42.64% | 44.01% | 43.48% | 47.98% | 2.19% | 3.57% | -4,044 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.28% | 0.75% | 4.06% | 1.32% | 0.87% | 1.38% | 1.22% | 0.65% | -67 bps | |
| Allowance / Loans | 1.73% | 1.84% | 2.15% | 2.45% | 2.56% | 2.54% | 2.51% | 2.55% | +10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 15.12% | 14.87% | 15.21% | 15.02% | 15.36% | 15.42% | 15.48% | 15.81% | +79 bps | |
| Equity / Assets | 8.08% | 8.32% | 8.81% | 8.78% | 8.41% | 8.67% | 8.82% | 8.97% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.40% | 68.29% | 68.33% | 67.82% | 64.62% | 65.34% | 64.89% | 63.60% | -422 bps | |
| Liquid Assets / Assets | 7.50% | 6.28% | 4.87% | 2.21% | 6.92% | 7.19% | 4.41% | 3.37% | +116 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |