Pontiac, MI · Charter 1202
Q3 2008
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.83% | 0.81% | 0.88% | 0.76% | 0.61% | 0.51% | 0.54% | -34 bps | |
| Return on Equity | 6.46% | 6.10% | 5.86% | 6.03% | 5.28% | 4.31% | 3.61% | 3.69% | -234 bps | |
| Net Interest Margin | 2.95% | 2.81% | 2.91% | 3.01% | 2.93% | 2.87% | 2.94% | 3.03% | +2 bps | |
| Efficiency Ratio | 71.77% | 73.67% | 73.12% | 73.07% | 74.66% | 77.87% | 77.37% | 76.06% | +300 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.57% | 8.14% | 7.76% | 3.60% | 5.38% | 1.13% | 2.51% | 3.40% | -20 bps | |
| Loan Growth (YoY) | 7.47% | 4.36% | 2.09% | 0.71% | 1.22% | 2.34% | 5.05% | 4.68% | +397 bps | |
| Share Growth (YoY) | 6.46% | 6.77% | 7.14% | 2.04% | 3.17% | 4.08% | 6.59% | 10.51% | +847 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.97% | 0.85% | 1.18% | 1.09% | 1.23% | 1.25% | 1.59% | 1.95% | +86 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 | 0.50% | 0.53% | 0.56% | 0.56% | 0.57% | 0.59% | 0.61% | 0.67% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.31% | 13.64% | 13.89% | 14.53% | 14.33% | 14.18% | 14.14% | 14.57% | +4 bps | |
| Net Worth / Assets | 14.31% | 13.64% | 13.89% | 14.53% | 14.33% | 14.18% | 14.14% | 14.57% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.68% | 68.63% | 67.81% | 71.84% | 71.30% | 67.48% | 66.83% | 68.05% | -379 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |