Byron Center, MI · Cert 11405
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | -0.91% | 0.62% | 0.49% | -0.60% | -0.12% | 0.16% | 1.25% | +75 bps | |
| Return on Equity | 4.46% | -11.10% | 7.81% | 6.15% | -7.38% | -1.40% | 1.87% | 11.08% | +493 bps | |
| Net Interest Margin | 3.04% | 2.94% | 2.83% | 2.99% | 3.14% | 3.21% | 3.18% | 3.84% | +86 bps | |
| Efficiency Ratio | 71.06% | 73.27% | 72.21% | 70.05% | 73.06% | 72.52% | 64.26% | 65.65% | -439 bps | |
| Non-Interest Burden | 1.91% | 1.92% | 1.73% | 1.72% | 2.05% | 2.09% | 1.70% | 2.22% | +50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.74% | 13.02% | 9.48% | 6.88% | 4.78% | -2.12% | -2.72% | 3.48% | -340 bps | |
| Loan Growth (YoY) | 15.84% | 17.74% | 16.08% | 11.87% | 7.06% | 1.23% | -2.37% | -11.53% | -2,341 bps | |
| Deposit Growth (YoY) | 6.50% | 19.71% | 16.65% | 16.21% | 9.25% | 1.65% | 1.26% | 3.82% | -1,240 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 | 0.13% | 1.09% | 0.14% | 0.39% | 0.55% | 2.47% | 0.15% | 1.33% | +94 bps | |
| Allowance / Loans | 1.39% | 1.32% | 1.40% | 1.49% | 2.02% | 1.86% | 2.25% | 0.03% | -146 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 | 10.91% | 10.21% | 10.21% | 10.44% | 10.46% | 10.41% | 10.69% | 9.94% | -50 bps | |
| Equity / Assets | 8.44% | 7.91% | 7.93% | 8.13% | 8.24% | 8.32% | 8.53% | 13.78% | +565 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.48% | 101.48% | 103.17% | 102.61% | 99.45% | 101.05% | 99.47% | 87.44% | -1,517 bps | |
| Liquid Assets / Assets | 0.01% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.37% | +337 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |