Spring Arbor, MI · Cert 35137
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.23% | -2.02% | -2.03% | -3.93% | -24.88% | -3,011 bps | |
| Return on Equity | 5.25% | -2.04% | -2.04% | -3.95% | -25.02% | -3,027 bps | |
| Net Interest Margin | 4.47% | 4.11% | 4.28% | 2.38% | 1.20% | -328 bps | |
| Efficiency Ratio | 84.35% | 121.83% | 105.43% | 116.67% | 121.11% | +3,675 bps | |
| Non-Interest Burden | -2.32% | 11.49% | 6.34% | 7.98% | 8.37% | +1,069 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 |