Troy, MI · Charter 14121
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.22% | -2.67% | 0.19% | 0.52% | 0.07% | -6.55% | -5.88% | -607 bps | |
| Return on Equity | 1.89% | 1.94% | -26.18% | 1.74% | 4.76% | 0.79% | -89.89% | -112.39% | -11,413 bps | |
| Net Interest Margin | 4.00% | 4.27% | 4.47% | 4.41% | 4.53% | 3.65% | 3.18% | 3.39% | -102 bps | |
| Efficiency Ratio | 92.79% | 89.11% | 89.00% | 72.53% | 73.49% | 78.00% | 143.31% | 134.12% | +6,159 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.17% | 1.53% | -1.30% | 0.43% | 2.23% | 30.13% | 22.64% | 10.82% | +1,039 bps | |
| Loan Growth (YoY) | -3.77% | 1.62% | 6.95% | 14.40% | 17.41% | 12.68% | 2.38% | -20.56% | -3,496 bps | |
| Share Growth (YoY) | 8.24% | 1.63% | -1.05% | 0.11% | 1.98% | 34.17% | 27.28% | 17.67% | +1,756 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.12% | 2.17% | 1.14% | 1.17% | 2.61% | 3.57% | 5.18% | 5.02% | +385 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 | 0.82% | 0.87% | 0.92% | 0.82% | 0.83% | 0.86% | 1.00% | 2.06% | +125 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.82% | 11.41% | 10.20% | 10.70% | 11.03% | 8.84% | 7.29% | 5.23% | -546 bps | |
| Net Worth / Assets | 10.82% | 11.41% | 10.20% | 10.70% | 11.03% | 8.84% | 7.29% | 5.23% | -546 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.72% | 81.37% | 77.51% | 80.56% | 84.87% | 68.34% | 62.34% | 54.39% | -2,617 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |