Spring Arbor, MI · Cert 35137
FDIC
Q3 2009
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.74% | 3.78% | -2.03% | -2.96% | -10.22% | -1,596 bps | |
| Return on Equity | 5.76% | 3.81% | -2.04% | -2.98% | -10.28% | -1,605 bps | |
| Net Interest Margin | 5.14% | 5.02% | 4.28% | 3.31% | 2.62% | -252 bps | |
| Efficiency Ratio | 80.73% | 89.12% | 105.43% | 110.74% | 114.08% | +3,335 bps | |
| Non-Interest Burden | -3.04% | 0.51% | 6.34% | 7.13% | 7.57% | +1,061 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.28% | 1.43% | -1.82% | -1.83% | -1.37% | -364 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 178.38% | 176.26% | 171.06% | 109.62% | 110.15% | -6,823 bps | |
| Equity / Assets | 99.61% | 98.84% | 99.70% | 99.36% | 99.52% | -9 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.81% | 0.00% | 0.09% | 2.16% | 0.00% | -81 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |