Clinton Township, MI · Cert 34262
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.05% | -1.08% | -1.17% | -1.17% | -3.77% | -3.27% | -4.90% | -5.22% | -405 bps | |
| Return on Equity | -11.75% | -12.00% | -13.13% | -13.16% | -43.83% | -32.88% | -48.55% | -50.56% | -3,739 bps | |
| Net Interest Margin | 2.82% | 2.76% | 2.67% | 2.53% | 2.72% | 2.19% | 2.20% | 1.97% | -56 bps | |
| Efficiency Ratio | 99.07% | 107.86% | 105.13% | 109.38% | 119.49% | 141.45% | 149.64% | 207% | +9,800 bps | |
| Non-Interest Burden | 2.80% | 2.99% | 2.82% | 2.79% | 3.29% | 3.18% | 3.34% | 3.72% | +93 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.73% | -5.39% | -7.21% | -8.34% | -4.58% | 4.13% | -3.01% | -0.75% | +759 bps | |
| Loan Growth (YoY) | -7.13% | -4.21% | 3.72% | -0.80% | -3.00% | 1.96% | -5.97% | -6.05% | -525 bps | |
| Deposit Growth (YoY) | 5.97% | -8.06% | -18.40% | -5.03% | -5.81% | 2.75% | 5.99% | -5.12% | -9 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 | 0.77% | 0.60% | 1.17% | 0.94% | 3.16% | 1.58% | 4.02% | 4.06% | +312 bps | |
| Allowance / Loans | 2.15% | 2.38% | 2.17% | 2.60% | 3.26% | 3.85% | 4.56% | 5.54% | +293 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 | 10.67% | 10.50% | 10.15% | 9.85% | 7.94% | 12.75% | 10.73% | 9.98% | +13 bps | |
| Equity / Assets | 9.09% | 9.21% | 8.76% | 8.85% | 8.34% | 12.60% | 10.52% | 11.27% | +242 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.78% | 115.99% | 125.98% | 105.72% | 112.03% | 115.10% | 111.76% | 104.68% | -103 bps | |
| Liquid Assets / Assets | 1.00% | 1.04% | 0.97% | 1.08% | 1.12% | 1.08% | 1.07% | 4.15% | +307 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |