New Baltimore, MI · Cert 59022
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 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|
| Earnings | |||
| Return on Assets | -6.91% | n/a | n/a |
| Return on Equity | n/a | n/a | n/a |
| Net Interest Margin | 3.12% | n/a | n/a |
| Efficiency Ratio | 201% | n/a | n/a |
| Non-Interest Burden | n/a | n/a | n/a |
| Growth | |||
| Asset Growth (YoY) | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a |
| Asset Quality | |||
| Nonperforming Loans / Loans | 0.00% | n/a | n/a |
| Net Charge-Offs / Loans | 4.72% | n/a | n/a |
| Allowance / Loans | 4.28% | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a |
| Capital | |||
| Tier 1 Leverage Ratio | n/a | n/a | n/a |
| Total Risk-Based Capital | 2.69% | n/a | n/a |
| Equity / Assets | 0.92% | n/a | n/a |
| Liquidity & Funding | |||
| Loans / Deposits | 333% | n/a | n/a |
| Liquid Assets / Assets | 0.03% | n/a | n/a |
| CRE / Total Capital | n/a | n/a | n/a |