Saint Johns, MI · Cert 35577
FDIC
Q2 2011
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 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.18%1 | 0.15% | -0.19% | -0.14% | -0.11% | -0.18% | -1.03% | -83 bps | |
| Return on Equity | 4.47% | 2.07% | 1.95% | -2.46% | -1.76% | -1.40% | -2.21% | -11.96% | -950 bps | |
| Net Interest Margin | 3.78% | 3.64% | 3.39% | 3.44% | 3.61% | 3.73% | 3.56% | 3.66% | +22 bps | |
| Efficiency Ratio | 73.83% | 72.52% | 72.45% | 74.34% | 69.21% | 68.64% | 78.42% | 74.28% | -6 bps | |
| Non-Interest Burden | 2.53% | 2.39% | 2.36% | 2.45% | 2.27% | 2.28% | 2.70% | 2.58% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.62% | 17.47% | 18.08% | 13.80% | 8.01% | -6.51% | 2.81% | -0.02% | -1,382 bps | |
| Loan Growth (YoY) | 8.29% | 1.13% | 0.37% | -3.18% | -8.25% | -5.70% | -8.88% | -10.14% | -697 bps | |
| Deposit Growth (YoY) | 4.64% | 23.60% | 24.66% | 17.33% | 9.92% | -6.15% | 3.52% | -2.45% | -1,978 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 | 0.45% | 0.65% | 0.76% | 1.89% | 1.52% | 1.45% | 1.53% | 4.67% | +278 bps | |
| Allowance / Loans | 1.35% | 1.89% | 1.97% | 1.83% | 2.51% | 2.85% | 2.97% | 2.66% | +83 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 | 12.13% | 12.22% | 11.77% | 11.99% | 12.47% | 12.67% | 13.07% | 15.41% | +343 bps | |
| Equity / Assets | 9.08% | 7.86% | 8.01% | 7.89% | 8.18% | 8.31% | 7.85% | 9.65% | +175 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.52% | 80.40% | 82.49% | 80.89% | 80.57% | 80.78% | 72.61% | 74.51% | -638 bps | |
| Liquid Assets / Assets | 5.80% | 14.75% | 10.06% | 4.98% | 5.65% | 6.71% | 13.65% | 9.40% | +442 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |