Rochester Hills, MI · Cert 34879
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.38% | 0.99% | 0.90% | -1.52% | -1.51% | 0.52% | 0.08% | 0.56% | +208 bps | |
| Return on Equity | -39.38% | 11.15% | 10.38% | -17.37% | -16.88% | 5.88% | 0.91% | 5.44% | +2,281 bps | |
| Net Interest Margin | 3.26% | 4.47% | 4.19% | 3.83% | 4.02% | 3.87% | 3.71% | 4.06% | +23 bps | |
| Efficiency Ratio | 116.18% | 73.89% | 71.04% | 84.24% | 74.22% | 80.57% | 90.91% | 87.27% | +303 bps | |
| Non-Interest Burden | 3.81% | 3.26% | 2.91% | 3.19% | 2.88% | 3.07% | 3.35% | 3.51% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.91% | -7.30% | 4.23% | -4.44% | -1.49% | -1.70% | -16.67% | -21.29% | -1,685 bps | |
| Loan Growth (YoY) | -2.49% | 3.95% | 0.89% | 7.61% | 3.07% | -5.77% | -19.19% | -19.82% | -2,742 bps | |
| Deposit Growth (YoY) | -10.82% | -6.70% | 4.25% | -5.14% | -1.10% | -7.76% | -17.66% | -23.04% | -1,791 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 | 2.97% | 0.00% | 0.09% | 7.94% | 0.63% | -0.08% | -0.15% | -2.58% | -1,052 bps | |
| Allowance / Loans | 3.09% | 2.90% | 3.00% | 1.85% | 2.49% | 2.64% | 3.22% | 4.04% | +220 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 | 11.72% | 11.30% | 11.54% | 11.61% | 11.27% | 11.41% | 13.10% | 14.47% | +286 bps | |
| Equity / Assets | 8.99% | 8.85% | 8.52% | 8.99% | 8.89% | 8.68% | 9.62% | 11.14% | +215 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.98% | 92.61% | 86.22% | 90.56% | 92.74% | 94.60% | 84.61% | 94.35% | +379 bps | |
| Liquid Assets / Assets | 4.60% | 7.48% | 0.26% | 0.29% | 0.30% | 0.29% | 0.32% | 0.37% | +8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |