New Baltimore, MI · Cert 1006
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.44% | -1.10% | -0.31% | -4.79% | -6.76% | -1.12% | -17.47% | -5.00% | -21 bps | |
| Return on Equity | -13.57% | -10.93% | -3.22% | -52.99% | -89.99% | -17.18% | -400% | -293% | -23,987 bps | |
| Net Interest Margin | 3.71% | 3.22% | 3.42% | 3.15% | 2.97% | 2.49% | 2.62% | 2.87% | -28 bps | |
| Efficiency Ratio | 88.93% | 108.10% | 93.30% | 100.52% | 370% | 120.41% | 291% | 250% | +14,972 bps | |
| Non-Interest Burden | 3.24% | 3.51% | 3.14% | 3.17% | 6.05% | 3.14% | 7.25% | 5.65% | +248 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.18% | -5.48% | -4.72% | 1.65% | 3.26% | 0.62% | -4.21% | -14.83% | -1,648 bps | |
| Loan Growth (YoY) | -7.50% | -10.00% | -6.08% | -1.56% | -2.19% | -4.90% | -10.69% | -13.90% | -1,234 bps | |
| Deposit Growth (YoY) | -8.08% | -4.43% | -4.36% | 4.36% | 4.23% | 2.45% | 1.56% | -10.57% | -1,493 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 | 2.51% | 2.15% | 0.95% | 0.38% | 9.17% | 0.83% | 16.36% | 0.14% | -24 bps | |
| Allowance / Loans | 1.70% | 1.42% | 1.38% | 2.84% | 2.47% | 2.49% | 3.08% | 3.89% | +105 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 | 12.85% | 12.17% | 12.09% | 10.97% | 9.11% | 8.78% | 4.01% | 2.75% | -823 bps | |
| Equity / Assets | 10.37% | 9.85% | 9.74% | 8.37% | 6.65% | 6.39% | 2.22% | 1.15% | -722 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.69% | 89.49% | 89.74% | 87.11% | 86.05% | 83.07% | 78.92% | 83.87% | -324 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.03% | 0.03% | 0.03% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |