Farmington Hills, MI · Cert 34673
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.59% | -2.21% | -1.83% | -2.62% | -3.54% | -2.97% | -3.23% | -4.98% | -236 bps | |
| Return on Equity | -61.59% | -28.01% | -23.82% | -35.93% | -52.88% | -73.10% | -86.19% | -159.74% | -12,380 bps | |
| Net Interest Margin | 2.58% | 2.29% | 2.32% | 2.24% | 2.38% | 2.69% | 2.75% | 2.88% | +65 bps | |
| Efficiency Ratio | 122.00% | 111.42% | 105.42% | 111.17% | 117.40% | 97.29% | 100.47% | 107.35% | -381 bps | |
| Non-Interest Burden | 3.31% | 2.63% | 2.50% | 2.58% | 2.97% | 2.58% | 2.77% | 3.18% | +60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.36% | 3.72% | 4.37% | 8.86% | 3.69% | 1.90% | -2.85% | -9.99% | -1,885 bps | |
| Loan Growth (YoY) | -2.27% | -0.24% | 2.20% | 9.12% | -0.98% | -3.06% | -1.18% | -8.65% | -1,778 bps | |
| Deposit Growth (YoY) | 5.11% | 5.49% | 5.63% | 12.00% | 9.46% | 8.56% | 0.84% | -4.77% | -1,677 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 | 3.32% | 2.11% | 2.04% | 2.39% | 3.10% | 3.01% | 3.24% | 4.46% | +207 bps | |
| Allowance / Loans | 2.36% | 2.39% | 2.39% | 2.56% | 2.58% | 2.83% | 2.95% | 3.83% | +127 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 | 10.77% | 10.31% | 10.19% | 8.82% | 6.81% | 6.05% | 5.05% | 2.49% | -633 bps | |
| Equity / Assets | 8.17% | 7.63% | 7.27% | 6.14% | 4.38% | 3.74% | 3.09% | 1.02% | -512 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.62% | 115.43% | 111.96% | 110.21% | 106.40% | 103.07% | 109.71% | 105.71% | -450 bps | |
| Liquid Assets / Assets | 0.94% | 1.97% | 10.37% | 6.47% | 8.82% | 9.55% | 6.82% | 9.35% | +287 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |