PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

CB Wealth Management, National Association

Flint, MI · Cert 57422

FDIC

Q1 2011

$17.4MAssets
n/aLoans
n/aDeposits
$16.3MEquity

Executive Summary

  • Earnings: ROA of 38.41%, up 1,565 bps year over year; NIM at 0.57%.

Return on Assets (YTD, annualized)

38.41%+1,565 bps YoY

Net Interest Margin (YTD, annualized)

0.57%-10 bps YoY

Efficiency Ratio (YTD, annualized)

59.49%-2,053 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.77%Q1 ’090.68%Q1 ’100.57%Q1 ’11-13%-15%

Non-interest income vs. expense

92.45%Q1 ’0990.97%Q1 ’1056.04%Q1 ’11-119%-71%

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010Q3 2010Q4 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets9.75%17.06%21.59%22.76%18.60%14.73%16.03%38.41%+1,565 bps
Return on Equity12.03%20.68%25.42%24.19%19.96%15.87%17.28%41.24%+1,705 bps
Net Interest Margin0.89%0.75%0.71%0.68%0.64%0.58%0.57%0.57%-10 bps
Efficiency Ratio90.34%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/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital231%257%235%248%329%340%342%353%+10,478 bps
Equity / Assets86.69%86.67%94.04%94.11%91.52%91.94%92.44%93.77%-34 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a