Farmington Hills, MI · Cert 32195
FDIC
Q4 2008
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.76% | -0.81% | -0.94% | -5.22% | -4.22% | -346 bps | |
| Return on Equity | -9.63% | -9.87% | -11.86% | -71.12% | -54.13% | -4,450 bps | |
| Net Interest Margin | 4.18% | 2.89% | 2.90% | 2.86% | 2.85% | -133 bps | |
| Efficiency Ratio | 69.64% | 103.75% | 111.61% | 112.26% | 121.44% | +5,180 bps | |
| Non-Interest Burden | 2.79% | 3.01% | 3.26% | 3.24% | 3.52% | +73 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -19.29% | -23.61% | -12.32% | -15.09% | -14.42% | +487 bps | |
| Loan Growth (YoY) | -17.12% | -25.09% | -26.34% | -21.37% | -21.22% | -410 bps | |
| Deposit Growth (YoY) | -6.97% | -31.89% | -10.75% | -15.84% | -12.60% | -564 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.99% | 1.35% | 1.26% | 4.03% | 3.65% | +166 bps | |
| Allowance / Loans | 2.50% | 2.70% | 2.93% | 6.96% | 6.74% | +424 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 9.52% | 10.34% | 11.02% | 7.52% | 11.15% | +164 bps | |
| Equity / Assets | 7.80% | 8.57% | 7.46% | 5.37% | 9.79% | +199 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 118.08% | 125.36% | 95.63% | 105.93% | 106.43% | -1,164 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 2.83% | 6.20% | +619 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |