Warren, MI · Cert 34824
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -9.15% | 0.19% | 0.13% | -2.25% | -10.91% | -14.01% | -1.56% | -2.53% | -28 bps | |
| Return on Equity | -109.67% | 2.57% | 1.65% | -28.53% | -172.43% | -364% | -73.21% | -149.00% | -12,047 bps | |
| Net Interest Margin | 2.25% | 2.41% | 1.80% | 1.87% | 1.41% | 1.14% | 0.97% | 1.44% | -43 bps | |
| Efficiency Ratio | 68.00% | 83.41% | 83.25% | 157.62% | 296% | 202% | 198.80% | 190.09% | +3,247 bps | |
| Non-Interest Burden | 1.45% | 1.95% | 1.41% | 3.55% | 4.97% | 2.86% | 2.63% | 3.44% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.79% | -9.36% | -2.25% | -1.13% | -1.54% | 1.06% | -11.76% | -19.62% | -1,849 bps | |
| Loan Growth (YoY) | 5.96% | 2.54% | 0.62% | -5.20% | -4.96% | -11.47% | -11.01% | -10.15% | -494 bps | |
| Deposit Growth (YoY) | -11.13% | -14.40% | -8.12% | -5.31% | 1.30% | 10.42% | 0.87% | -7.82% | -251 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 | 4.76% | 0.03% | 3.65% | 5.93% | 11.08% | 21.84% | 0.29% | 0.68% | -524 bps | |
| Allowance / Loans | 5.77% | 5.85% | 5.15% | 4.17% | 4.43% | 3.93% | 4.11% | 4.31% | +14 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 | 9.82% | 10.12% | 12.04% | 12.27% | 7.44% | 3.78% | 3.32% | 2.59% | -968 bps | |
| Equity / Assets | 7.30% | 7.64% | 8.47% | 7.29% | 5.32% | 2.32% | 1.92% | 1.45% | -584 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.96% | 97.63% | 88.65% | 83.14% | 86.28% | 78.27% | 78.20% | 81.05% | -210 bps | |
| Liquid Assets / Assets | 0.03% | 0.07% | 0.07% | 0.05% | 0.20% | 0.67% | 2.07% | 0.69% | +63 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |