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Deposit Insurance National Bank of New Baltimore

New Baltimore, MI · Cert 59022

FDIC

Q4 2009

$163.9MAssets
$127.5MLoans
$38.3MDeposits
$1.5MEquity

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of -6.91%; NIM at 3.13%.
  • Asset quality: problem loans at 0.00% of loans, with net charge-offs at 4.63%.
  • Funding: loans stand at 332.76% of deposits as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-6.91%

Net Interest Margin (YTD, annualized)

3.13%

Efficiency Ratio (YTD, annualized)

201%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009YoY ΔTrend
Earnings
Return on Assets-6.91%n/an/a
Return on Equityn/an/an/a
Net Interest Margin3.13%n/an/a
Efficiency Ratio201%n/an/a
Non-Interest Burden5.49%n/an/a
Growth
Asset Growth (YoY)n/an/an/a
Loan Growth (YoY)n/an/an/a
Deposit Growth (YoY)n/an/an/a
Asset Quality
Nonperforming Loans / Loans0.00%n/an/a
Net Charge-Offs / Loans4.63%n/an/a
Allowance / Loans4.28%n/an/a
Allowance Coverage of NPLsn/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a
Total Risk-Based Capital2.69%n/an/a
Equity / Assets0.92%n/an/a
Liquidity & Funding
Loans / Deposits333%n/an/a
Liquid Assets / Assets0.03%n/an/a
CRE / Total Capitaln/an/an/a