Calumet, MI · Cert 5065
FDIC
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.98% | 0.96% | 0.94% | 0.98% | 0.87% | 0.86% | 0.89% | -6 bps | |
| Return on Equity | 6.63% | 8.75% | 8.57% | 8.46% | 8.79% | 7.77% | 7.72% | 7.89% | -57 bps | |
| Net Interest Margin | 3.38% | 3.66% | 3.71% | 3.60% | 3.64% | 3.52% | 3.53% | 3.55% | -5 bps | |
| Efficiency Ratio | 69.23% | 64.98% | 66.11% | 66.53% | 65.33% | 71.60% | 71.79% | 70.75% | +422 bps | |
| Non-Interest Burden | 2.16% | 2.18% | 2.25% | 2.20% | 2.17% | 2.35% | 2.36% | 2.34% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.00% | 5.30% | 5.54% | 2.68% | 4.62% | 5.86% | 5.17% | -1.57% | -425 bps | |
| Loan Growth (YoY) | 11.62% | 9.47% | 8.99% | 1.43% | 5.64% | 5.15% | 2.77% | 1.27% | -16 bps | |
| Deposit Growth (YoY) | -1.07% | 3.67% | 5.50% | 7.29% | 7.17% | 5.36% | 5.64% | -0.34% | -763 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 | 0.08% | -0.10% | -0.06% | -0.04% | -0.01% | -0.02% | 0.04% | 0.03% | +7 bps | |
| Allowance / Loans | 1.05% | 1.13% | 1.19% | 1.25% | 1.24% | 1.25% | 1.27% | 1.28% | +3 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 | 11.87% | 12.05% | 12.08% | 12.22% | 12.29% | 11.99% | 12.52% | 12.89% | +67 bps | |
| Equity / Assets | 11.20% | 11.30% | 11.21% | 10.96% | 11.17% | 11.21% | 10.97% | 11.60% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.65% | 80.09% | 77.94% | 75.41% | 79.50% | 79.92% | 75.83% | 76.63% | +122 bps | |
| Liquid Assets / Assets | 1.33% | 0.21% | 0.19% | 0.19% | 0.03% | 0.02% | 0.02% | 0.06% | -14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |