Sterling Heights, MI · Cert 34878
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.77% | -2.56% | -31.58% | -11.33% | -3.35% | -13.34% | -5.80% | -1.35% | +997 bps | |
| Return on Equity | -8.55% | -28.37% | -452% | -199.84% | -56.30% | -324% | -301% | -136.35% | +6,348 bps | |
| Net Interest Margin | 3.05% | 2.62% | 2.16% | 2.02% | 2.35% | 2.59% | 2.93% | 3.33% | +132 bps | |
| Efficiency Ratio | 105.58% | 141.04% | 207% | 175.15% | 226% | n/a | 158.23% | 105.09% | -7,006 bps | |
| Non-Interest Burden | 3.24% | 3.83% | 9.03% | 3.57% | 4.58% | 11.96% | 4.45% | 3.52% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.52% | -9.04% | -2.88% | 1.58% | 6.23% | 11.73% | -15.30% | -25.81% | -2,739 bps | |
| Loan Growth (YoY) | -4.91% | 6.02% | 1.98% | -2.53% | -12.28% | -19.07% | -19.39% | -13.51% | -1,098 bps | |
| Deposit Growth (YoY) | -2.55% | -7.91% | 2.28% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.44% | 3.44% | 7.69% | 26.87% | -0.17% | 3.75% | 0.08% | 2.08% | -2,479 bps | |
| Allowance / Loans | 1.55% | 1.04% | 6.62% | 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 | 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 | 12.16% | 11.14% | 7.42% | 10.08% | 9.01% | 4.51% | 2.75% | 2.01% | -808 bps | |
| Equity / Assets | 8.91% | 9.14% | 4.96% | 6.34% | 5.58% | 2.59% | 1.11% | 0.87% | -547 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.01% | 96.47% | 84.42% | 73.54% | 66.82% | 67.63% | 77.03% | 80.91% | +737 bps | |
| Liquid Assets / Assets | 0.66% | 0.73% | 0.84% | 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 | n/a | n/a | n/a |