Flint, MI · Cert 57422
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Flint, MI · Cert 57422
FDIC
Q1 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 9.75% | 17.06% | 21.59% | 22.76% | 18.60% | 14.73% | 16.03% | 38.41% | +1,565 bps | |
| Return on Equity | 12.03% | 20.68% | 25.42% | 24.19% | 19.96% | 15.87% | 17.28% | 41.24% | +1,705 bps | |
| Net Interest Margin | 0.89% | 0.75% | 0.71% | 0.68% | 0.64% | 0.58% | 0.57% | 0.57% | -10 bps | |
| Efficiency Ratio | 90.34% | 85.11% | 82.36% | 80.02% | 83.48% | 81.00% | 77.13% | 59.49% | -2,053 bps | |
| Non-Interest Burden | -10.97% | -17.00% | -20.02% | -22.04% | -17.05% | -18.37% | -21.92% | -37.59% | -1,555 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.49% | -0.78% | -0.74% | 22.05% | 28.90% | 19.10% | 20.58% | 24.14% | +208 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 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 | 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 | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| 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 | 231% | 257% | 235% | 248% | 329% | 340% | 342% | 353% | +10,478 bps | |
| Equity / Assets | 86.69% | 86.67% | 94.04% | 94.11% | 91.52% | 91.94% | 92.44% | 93.77% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |