Port Huron, MI · Cert 30005
FDIC
Q1 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.16% | -0.74% | -2.66% | -1.53% | -3.09% | -6.45% | -6.34% | -21.39% | -1,987 bps | |
| Return on Equity | -2.07% | -9.98% | -38.07% | -33.79% | -79.79% | -232% | -313% | 562% | +59,554 bps | |
| Net Interest Margin | 2.57% | 2.65% | 2.69% | 2.61% | 2.69% | 2.80% | 2.88% | 2.78% | +16 bps | |
| Efficiency Ratio | 70.50% | 71.04% | 74.84% | 68.96% | 83.55% | 88.18% | 89.29% | 177.60% | +10,864 bps | |
| Non-Interest Burden | 1.65% | 1.74% | 2.41% | 1.59% | 2.18% | 2.44% | 2.54% | 4.14% | +255 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.28% | 11.37% | 8.86% | -8.77% | -7.09% | -10.04% | -12.38% | -16.18% | -741 bps | |
| Loan Growth (YoY) | -2.03% | -5.63% | -7.07% | -8.61% | -9.46% | -11.26% | -11.72% | -12.73% | -412 bps | |
| Deposit Growth (YoY) | 18.17% | 10.19% | 8.36% | 2.46% | 5.88% | 12.59% | 10.63% | 5.11% | +265 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 | 1.92% | 1.94% | 2.17% | 1.38% | 1.77% | 5.21% | 4.87% | 4.54% | +316 bps | |
| Allowance / Loans | 1.33% | 2.21% | 1.85% | 2.12% | 2.56% | 3.20% | 4.61% | 10.16% | +805 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 | 10.12% | 9.34% | 7.30% | 7.88% | 6.83% | 3.16% | 0.56% | -6.43% | -1,432 bps | |
| Equity / Assets | 7.24% | 6.88% | 5.08% | 3.94% | 2.57% | -0.71% | -1.32% | -6.48% | -1,042 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.36% | 111.71% | 110.47% | 103.89% | 97.79% | 88.04% | 88.15% | 86.25% | -1,764 bps | |
| Liquid Assets / Assets | 13.72% | 13.74% | 12.88% | 13.81% | 11.91% | 16.85% | 17.49% | 19.07% | +526 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |