Leslie, MI · Cert 13930
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.69% | 1.78% | 1.29% | 1.53% | 1.86% | 1.11% | 0.15% | -0.69% | -223 bps | |
| Return on Equity | 23.40% | 24.46% | 17.95% | 21.56% | 26.28% | 15.46% | 1.97% | -8.53% | -3,009 bps | |
| Net Interest Margin | 3.76% | 3.94% | 3.72% | 3.73% | 3.62% | 3.47% | 3.27% | 3.34% | -39 bps | |
| Efficiency Ratio | 51.99% | 49.61% | 58.75% | 57.30% | 50.34% | 54.52% | 70.23% | 69.07% | +1,177 bps | |
| Non-Interest Burden | 1.28% | 1.27% | 1.68% | 1.52% | 1.10% | 1.26% | 1.92% | 1.88% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.23% | 12.69% | 12.14% | 5.72% | 7.85% | 2.91% | 15.95% | 8.94% | +323 bps | |
| Loan Growth (YoY) | 17.63% | 18.19% | 19.36% | 12.24% | 11.90% | 7.92% | 3.77% | 2.90% | -934 bps | |
| Deposit Growth (YoY) | 26.22% | 35.55% | 26.73% | 16.75% | 15.14% | 4.80% | 25.80% | 16.09% | -65 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 | 0.18% | 0.51% | 0.24% | 0.21% | 0.13% | 0.55% | 1.03% | 1.26% | +105 bps | |
| Allowance / Loans | 0.95% | 0.92% | 0.99% | 1.00% | 0.93% | 1.08% | 1.34% | 2.08% | +108 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 | 10.74% | 10.78% | 10.63% | 10.69% | 10.56% | 10.83% | 10.33% | 10.22% | -47 bps | |
| Equity / Assets | 7.40% | 7.20% | 7.17% | 7.03% | 7.14% | 7.26% | 8.15% | 8.14% | +111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.51% | 80.57% | 83.08% | 82.70% | 80.20% | 82.97% | 68.53% | 73.30% | -940 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.34% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |