Auburn Hills, MI · Cert 57984
FDIC
Q4 2009
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 | 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% | -2.00% | -1.75% | -2.11% | -3.04% | -4.39% | -10.72% | -9.75% | -764 bps | |
| Return on Equity | -16.58% | -13.81% | -12.17% | -14.87% | -23.36% | -34.56% | -93.26% | -92.77% | -7,791 bps | |
| Net Interest Margin | 2.43% | 2.55% | 2.54% | 2.56% | 2.32% | 2.52% | 2.66% | 3.09% | +53 bps | |
| Efficiency Ratio | 123.32% | 117.33% | 117.25% | 120.33% | 163.77% | 189.55% | 203% | 207% | +8,704 bps | |
| Non-Interest Burden | 3.04% | 3.05% | 3.01% | 3.12% | 3.93% | 4.57% | 5.01% | 5.92% | +280 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% | 2.50% | 2.06% | 2.56% | 1.78% | 4.02% | 4.05% | 3.58% | +102 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 |