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Bank of Birmingham

Birmingham, MI · Cert 58101

FDIC · 1 branch

Q4 2016

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 2016, the quarter ended December 31, 2016, 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 Birmingham

Birmingham, MI · Cert 58101

FDIC · 1 branch

Q4 2016

$290.0MAssets
$260.2MLoans
$263.5MDeposits
$24.8MEquity
Loan mix
73%RE $113.8M25%C&I $38.7M2%Consumer $3.8MQ4 2015Q4 2016
Deposit mix
75%Interest-bearing $197.4M25%Noninterest $66.1MQ4 2015Q4 2016

NIM

4.22%Q4 ’144.12%Q4 ’153.96%Q4 ’16-2%-3%

Non-interest income vs. expense

2.70%Q4 ’142.57%Q4 ’152.24%Q4 ’16-13%-9%

Market Position · Detroit-Warren-Dearborn, MI · 2016 SOD (annual) · 0.2% share · #20 of 49 inst. · $0.3B of $121.7B

Executive Summary

  • Earnings: ROA of 0.93%, down 2 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.32%.
  • Capital: tier 1 leverage ratio of 8.19%, down 23 bps from a year ago.
  • Funding: loans stand at 98.73% of deposits as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

0.93%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.50%-13 bps YoY

Efficiency Ratio (YTD, annualized)

57.99%-422 bps YoY

Tier 1 Leverage Ratio

8.19%-23 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.95%0.58%0.64%0.86%0.93%-2 bps
Return on Equity10.99%7.12%7.78%10.44%11.23%+23 bps
Net Interest Margin3.63%3.75%3.66%3.68%3.50%-13 bps
Efficiency Ratio62.21%62.89%60.94%58.80%57.99%-422 bps
Non-Interest Burden2.07%2.24%2.10%1.99%1.88%-19 bps
Growth
Asset Growth (YoY)17.80%30.85%20.46%28.03%19.03%+123 bps
Loan Growth (YoY)21.55%19.76%17.44%17.06%17.12%-443 bps
Deposit Growth (YoY)17.73%32.30%21.06%29.01%19.16%+143 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.06%0.00%0.46%0.45%0.32%+26 bps
Allowance / Loans1.14%1.29%1.17%1.03%1.02%-12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.42%8.19%8.37%8.48%8.19%-23 bps
Total Risk-Based Capital10.32%10.52%10.65%10.51%10.21%-11 bps
Equity / Assets8.56%7.90%8.41%7.95%8.54%-2 bps
Liquidity & Funding
Loans / Deposits100.45%90.70%95.39%89.46%98.73%-172 bps
Liquid Assets / Assets5.13%13.06%9.78%15.07%7.50%+237 bps
CRE / Total Capitaln/an/an/an/an/an/an/a