Farmington Hills, MI · Cert 34369
FDIC
Q1 2009
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.23% | -0.89% | -0.34% | -4.53% | -3.37% | -4.67% | -0.74% | -40 bps | |
| Return on Equity | 2.77% | 2.52% | -9.97% | -4.26% | -61.82% | -48.83% | -74.86% | -20.76% | -1,650 bps | |
| Net Interest Margin | 3.86% | 3.77% | 3.18% | 2.77% | 2.96% | 2.94% | 2.60% | 2.02% | -75 bps | |
| Efficiency Ratio | 89.61% | 89.44% | 102.38% | 109.48% | 117.53% | 114.70% | 132.11% | 127.25% | +1,778 bps | |
| Non-Interest Burden | 3.43% | 3.34% | 3.25% | 3.05% | 3.50% | 3.41% | 3.51% | 2.60% | -45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.70% | 4.72% | 3.82% | 4.41% | -1.23% | -1.54% | -3.77% | -10.98% | -1,539 bps | |
| Loan Growth (YoY) | 4.40% | 3.78% | 5.07% | 2.93% | -3.60% | -1.88% | -15.32% | -18.75% | -2,168 bps | |
| Deposit Growth (YoY) | 5.09% | 8.03% | -4.13% | 2.23% | -2.49% | -2.80% | 9.33% | -6.32% | -855 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 | -0.09% | 0.02% | 0.45% | 1.60% | 4.50% | 3.16% | 6.61% | 1.30% | -30 bps | |
| Allowance / Loans | 1.28% | 1.30% | 2.24% | 2.01% | 4.41% | 4.19% | 4.11% | 4.26% | +226 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 | 11.86% | 11.69% | 10.22% | 10.27% | 7.24% | 7.14% | 3.18% | 2.97% | -730 bps | |
| Equity / Assets | 9.19% | 9.11% | 8.05% | 7.95% | 5.92% | 5.58% | 3.56% | 3.54% | -442 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.70% | 90.30% | 104.74% | 92.93% | 94.61% | 91.15% | 81.12% | 80.60% | -1,233 bps | |
| Liquid Assets / Assets | 0.03% | 0.38% | 0.09% | 0.22% | 0.10% | 0.72% | 7.73% | 9.61% | +939 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |