Detroit, MI · Cert 34919
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.74% | -0.11% | -0.61% | -3.41% | -0.68% | -0.12% | -1.90% | -129 bps | |
| Return on Equity | 10.58% | 8.71% | -1.26% | -7.26% | -42.08% | -8.31% | -1.40% | -22.37% | -1,511 bps | |
| Net Interest Margin | 4.17% | 4.28% | 4.02% | 4.10% | 3.14% | 3.68% | 3.66% | 3.84% | -26 bps | |
| Efficiency Ratio | 71.26% | 75.64% | 76.00% | 75.15% | 92.37% | 78.18% | 87.91% | 82.24% | +709 bps | |
| Non-Interest Burden | 2.79% | 3.23% | 3.03% | 3.06% | 2.89% | 2.83% | 3.21% | 3.12% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.27% | 18.62% | 8.32% | 6.35% | -0.89% | -3.99% | -7.79% | -10.57% | -1,691 bps | |
| Loan Growth (YoY) | 17.67% | 16.81% | 9.62% | 5.61% | -0.27% | -8.32% | -10.02% | -12.78% | -1,839 bps | |
| Deposit Growth (YoY) | 23.57% | 12.70% | 27.60% | 13.27% | -4.82% | -0.16% | -14.40% | -10.31% | -2,358 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 | 0.07% | 0.43% | 1.24% | 1.26% | 5.06% | 0.61% | 1.63% | 0.49% | -77 bps | |
| Allowance / Loans | 1.28% | 1.11% | 1.06% | 1.24% | 1.53% | 1.98% | 1.73% | 2.60% | +136 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 | 10.17% | 10.26% | 10.08% | 9.73% | 9.63% | 10.45% | 10.24% | 10.02% | +29 bps | |
| Equity / Assets | 8.33% | 8.62% | 8.62% | 8.26% | 7.94% | 8.49% | 8.60% | 8.42% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.24% | 115.67% | 112.91% | 111.67% | 107.12% | 106.22% | 118.68% | 108.59% | -308 bps | |
| Liquid Assets / Assets | 0.03% | 0.02% | 0.03% | 0.02% | 0.03% | 0.01% | 0.00% | 0.56% | +54 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |