Dearborn, MI · Cert 33883
FDIC
Q4 2011
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.45% | 0.16% | -5.98% | -3.66% | -2.64% | -119 bps | |
| Return on Equity | -31.86% | 3.98% | -188.69% | -129.25% | -99.83% | -6,797 bps | |
| Net Interest Margin | 3.72% | 3.82% | 4.04% | 4.10% | 4.10% | +38 bps | |
| Efficiency Ratio | 94.64% | 80.10% | 86.03% | 83.95% | 83.30% | -1,134 bps | |
| Non-Interest Burden | 3.54% | 3.05% | 3.50% | 3.46% | 3.41% | -14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.18% | -7.46% | -9.84% | -10.32% | -10.46% | -328 bps | |
| Loan Growth (YoY) | -12.06% | -12.06% | -12.55% | -12.47% | -10.72% | +135 bps | |
| Deposit Growth (YoY) | -6.41% | -6.78% | -6.54% | -7.18% | -7.97% | -156 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 3.13% | 0.77% | 3.69% | 2.42% | 1.92% | -121 bps | |
| Allowance / Loans | 3.79% | 3.87% | 6.38% | 6.56% | 6.66% | +288 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 | 6.17% | 6.55% | 2.92% | 3.42% | 3.61% | -255 bps | |
| Equity / Assets | 3.89% | 4.14% | 1.36% | 1.73% | 1.86% | -203 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.92% | 90.87% | 89.07% | 89.08% | 88.20% | -272 bps | |
| Liquid Assets / Assets | 9.56% | 10.71% | 9.42% | 13.32% | 14.71% | +515 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |