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Bank of Auburn Hills

Auburn Hills, MI · Cert 57984

FDIC

Q4 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2009, the quarter ended December 31, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Auburn Hills

Auburn Hills, MI · Cert 57984

FDIC

Q4 2009

$35.5MAssets
$30.5MLoans
$33.3MDeposits
$2.1MEquity
Loan mix
72%RE $19.1M28%C&I $7.4M0%Consumer $0.0MQ4 2008Q4 2009
Deposit mix
94%Interest-bearing $31.3M6%Noninterest $2.0MQ4 2008Q4 2009

NIM

6.56%Q4 ’075.89%Q4 ’085.98%Q4 ’09-19%+21%

Non-interest income vs. expense

3.16%Q4 ’073.32%Q4 ’085.48%Q4 ’09+14%+90%

Executive Summary

  • Earnings: ROA of -9.75%, down 764 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.58%.
  • Funding: loans stand at 91.46% of deposits as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-9.75%-764 bps YoY

Net Interest Margin (YTD, annualized)

3.09%+53 bps YoY

Efficiency Ratio (YTD, annualized)

207%+8,704 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-2.11%-3.04%-4.39%-10.72%-9.75%-764 bps
Return on Equity-14.87%-23.36%-34.56%-93.26%-92.77%-7,791 bps
Net Interest Margin2.56%2.32%2.52%2.66%3.09%+53 bps
Efficiency Ratio120.33%163.77%189.55%203%207%+8,704 bps
Non-Interest Burden3.12%3.93%4.57%5.01%5.92%+280 bps
Growth
Asset Growth (YoY)-2.03%-2.58%-11.85%-19.97%-18.97%-1,694 bps
Loan Growth (YoY)9.10%-8.82%-15.27%-22.62%-23.68%-3,277 bps
Deposit Growth (YoY)0.05%-0.40%-10.11%-13.41%-11.56%-1,161 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.56%1.78%4.02%4.05%3.58%+102 bps
Allowance / Loans2.48%3.08%3.85%5.18%5.89%+342 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital13.90%13.37%11.40%9.61%8.20%-570 bps
Equity / Assets13.54%12.51%12.01%7.18%5.91%-763 bps
Liquidity & Funding
Loans / Deposits105.98%96.16%93.62%93.90%91.46%-1,452 bps
Liquid Assets / Assets5.35%12.40%11.01%10.75%12.32%+697 bps
CRE / Total Capitaln/an/an/an/an/an/an/a