Sterling Heights, MI · Cert 34878
FDIC
Q1 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -11.33% | -7.27% | -9.38% | -8.68% | -1.35% | +997 bps | |
| Return on Equity | -199.84% | -128.91% | -192.42% | -205% | -136.35% | +6,348 bps | |
| Net Interest Margin | 2.02% | 2.12% | 2.33% | 2.64% | 3.33% | +132 bps | |
| Efficiency Ratio | 175.15% | 199.53% | n/a | 1249% | 105.09% | -7,006 bps | |
| Non-Interest Burden | 3.57% | 3.97% | 6.74% | 6.64% | 3.52% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.58% | 6.23% | 11.73% | -15.30% | -25.81% | -2,739 bps | |
| Loan Growth (YoY) | -2.53% | -12.28% | -19.07% | -19.39% | -13.51% | -1,098 bps | |
| Deposit Growth (YoY) | 4.88% | 10.28% | 15.44% | -11.67% | -21.39% | -2,627 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 26.87% | 14.14% | 11.02% | 8.53% | 2.08% | -2,479 bps | |
| Allowance / Loans | 4.01% | 4.71% | 5.60% | 8.15% | 8.20% | +419 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 10.08% | 9.01% | 4.51% | 2.75% | 2.01% | -808 bps | |
| Equity / Assets | 6.34% | 5.58% | 2.59% | 1.11% | 0.87% | -547 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.54% | 66.82% | 67.63% | 77.03% | 80.91% | +737 bps | |
| Liquid Assets / Assets | 0.89% | 1.53% | 4.91% | 7.92% | 1.42% | +53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |