Mount Clemens, MI · Cert 34234
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Mount Clemens, MI · Cert 34234
FDIC
Q1 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.92% | -1.31% | -2.88% | -6.35% | -4.73% | -4.40% | -4.97% | -6.69% | -34 bps | |
| Return on Equity | -11.70% | -16.89% | -38.33% | -114.57% | -93.25% | -94.62% | -120.17% | -654% | -53,980 bps | |
| Net Interest Margin | 2.31% | 2.44% | 2.39% | 2.12% | 2.23% | 2.47% | 2.58% | 2.51% | +39 bps | |
| Efficiency Ratio | 89.40% | 93.94% | 108.41% | 116.53% | 112.83% | 111.27% | 100.93% | 132.02% | +1,549 bps | |
| Non-Interest Burden | 1.99% | 2.26% | 2.64% | 2.58% | 2.58% | 2.82% | 2.81% | 3.44% | +86 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.75% | -0.55% | -1.44% | 0.10% | -2.46% | -5.94% | -12.82% | -19.08% | -1,919 bps | |
| Loan Growth (YoY) | 6.42% | 4.01% | -0.91% | -6.55% | -4.38% | -4.41% | -7.75% | -19.33% | -1,279 bps | |
| Deposit Growth (YoY) | 11.15% | 2.25% | 11.37% | 15.37% | 15.61% | 6.68% | -4.14% | -12.97% | -2,834 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 | 1.31% | 1.53% | 2.26% | 6.58% | 4.39% | 3.40% | 4.19% | 10.75% | +417 bps | |
| Allowance / Loans | 2.33% | 2.93% | 3.19% | 3.59% | 4.05% | 4.93% | 5.19% | 5.32% | +173 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 | 10.99% | 10.30% | 9.27% | 7.05% | 6.14% | 4.83% | 3.67% | 0.48% | -657 bps | |
| Equity / Assets | 7.87% | 7.66% | 6.39% | 4.70% | 4.11% | 3.32% | 1.80% | 0.20% | -450 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.53% | 111.79% | 101.17% | 94.68% | 93.90% | 100.17% | 97.35% | 87.75% | -692 bps | |
| Liquid Assets / Assets | 0.75% | 0.78% | 0.76% | 1.17% | 11.35% | 7.00% | 8.36% | 13.91% | +1,275 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |