Farmington Hills, MI · Cert 18685
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.00% | 0.23% | 0.38% | -0.56% | -0.32% | -0.29% | 0.20% | -0.68% | -13 bps | |
| Return on Equity | -9.26% | 1.57% | 2.15% | -3.17% | -1.75% | -1.61% | 1.14% | -4.06% | -90 bps | |
| Net Interest Margin | 4.07% | 3.74% | 3.60% | 3.65% | 3.64% | 3.76% | 3.74% | 2.73% | -92 bps | |
| Efficiency Ratio | 110.12% | 81.22% | 77.51% | 86.72% | 86.07% | 95.87% | 85.77% | 114.45% | +2,773 bps | |
| Non-Interest Burden | 4.58% | 3.28% | 2.97% | 3.68% | 3.44% | 3.92% | 3.44% | 3.47% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.40% | 7.02% | 9.66% | 12.85% | 8.30% | 0.32% | 0.89% | 5.93% | -692 bps | |
| Loan Growth (YoY) | 13.55% | 8.26% | 7.02% | 14.00% | 11.56% | 14.28% | 17.12% | 15.28% | +128 bps | |
| Deposit Growth (YoY) | 3.57% | -1.81% | -5.53% | -4.72% | -4.75% | -0.79% | -1.86% | 6.92% | +1,164 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 | 2.26% | 0.00% | -0.40% | 0.00% | 0.66% | 0.02% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.07% | 1.09% | 1.19% | 1.24% | 1.30% | 1.36% | 1.39% | 1.43% | +20 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 | 13.32% | 15.85% | 13.86% | 13.83% | 12.94% | 12.61% | 12.26% | 11.98% | -185 bps | |
| Equity / Assets | 10.70% | 17.99% | 17.49% | 17.69% | 18.49% | 17.62% | 17.24% | 16.46% | -123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.51% | 76.56% | 82.15% | 89.07% | 91.96% | 88.19% | 98.04% | 96.04% | +696 bps | |
| Liquid Assets / Assets | 0.30% | 0.27% | 0.09% | 0.12% | 0.08% | 0.05% | 0.27% | 0.15% | +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 |