Auburn Hills, MI · Cert 57984
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.47% | -1.54% | -1.21% | -3.22% | -3.04% | -5.70% | -24.64% | -6.63% | -341 bps | |
| Return on Equity | -16.58% | -10.97% | -8.80% | -23.41% | -23.36% | -46.46% | -252% | -101.19% | -7,779 bps | |
| Net Interest Margin | 2.43% | 2.59% | 2.49% | 2.52% | 2.32% | 2.67% | 2.69% | 3.19% | +67 bps | |
| Efficiency Ratio | 123.32% | 111.80% | 117.06% | 130.03% | 163.77% | 223% | 234% | 221% | +9,064 bps | |
| Non-Interest Burden | 3.04% | 2.94% | 2.94% | 3.32% | 3.93% | 5.11% | 5.46% | 6.42% | +310 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.31% | 5.98% | -8.69% | -2.03% | -2.58% | -11.85% | -19.97% | -18.97% | -1,694 bps | |
| Loan Growth (YoY) | 34.10% | 15.22% | 19.57% | 9.10% | -8.82% | -15.27% | -22.62% | -23.68% | -3,277 bps | |
| Deposit Growth (YoY) | 44.00% | 9.19% | -8.31% | 0.05% | -0.40% | -10.11% | -13.41% | -11.56% | -1,161 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 | 1.84% | 3.11% | 1.23% | 3.96% | 1.78% | 6.07% | 3.45% | 1.81% | -215 bps | |
| Allowance / Loans | 2.38% | 2.24% | 2.30% | 2.48% | 3.08% | 3.85% | 5.18% | 5.89% | +342 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 | 15.74% | 15.19% | 14.79% | 13.90% | 13.37% | 11.40% | 9.61% | 8.20% | -570 bps | |
| Equity / Assets | 14.39% | 13.66% | 13.95% | 13.54% | 12.51% | 12.01% | 7.18% | 5.91% | -763 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.04% | 99.32% | 105.07% | 105.98% | 96.16% | 93.62% | 93.90% | 91.46% | -1,452 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 5.35% | 12.40% | 11.01% | 10.75% | 12.32% | +697 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |