Detroit, MI · Cert 5021
FDIC
Q1 2002
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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.46% | 1.53% | 1.17% | 0.49% | 0.87% | 0.80% | 0.59% | 0.04%1 | -46 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.47% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.83% | 3.70% | 3.57% | 3.19% | 1.83% | -200 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 49.41% | 48.25% | 50.04% | 52.74% | 70.93% | +2,151 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 1.28% | 1.10% | 1.09% | 1.04% | 0.95% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.20% | -2.69% | 0.88% | 6.78% | 2.94% | -4.40% | -2.27% | -9.36% | -1,614 bps | |
| Loan Growth (YoY) | 0.54% | -0.71% | 0.03% | 5.44% | -6.42% | -9.07% | -11.91% | -16.83% | -2,227 bps | |
| Deposit Growth (YoY) | -7.82% | 2.68% | -4.82% | -5.49% | -5.48% | -7.17% | 3.11% | 0.60% | +609 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 | n/a | n/a | n/a | 1.67% | 1.47% | 1.52% | 1.86% | 1.90% | +23 bps | |
| Allowance / Loans | n/a | n/a | n/a | 2.54% | 2.64% | 2.71% | 2.87% | 2.98% | +44 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 | n/a | n/a | n/a | 11.12% | 11.47% | 12.44% | 11.92% | 12.36% | +123 bps | |
| Equity / Assets | n/a | n/a | n/a | 7.35% | 7.67% | 7.75% | 7.71% | 7.95% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.80% | 96.36% | 102.23% | 100.98% | 98.81% | 94.39% | 87.34% | 83.48% | -1,750 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 1.59% | 2.59% | 0.12% | 1.89% | 3.91% | +233 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |