Saginaw, MI · Charter 60067
Q3 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.01% | -3.88% | -0.36% | -0.51% | -0.27% | -0.16% | -0.29% | +7 bps | |
| Return on Equity | 0.69% | 0.05% | -33.42% | -2.95% | -4.28% | -2.29% | -1.30% | -2.40% | +54 bps | |
| Net Interest Margin | 3.00% | 2.82% | 2.89% | 3.12% | 3.30% | 3.28% | 3.28% | 3.22% | +10 bps | |
| Efficiency Ratio | 88.23% | 85.70% | 95.24% | 88.05% | 81.25% | 82.17% | 93.58% | 84.53% | -352 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.36% | 0.28% | -2.16% | -1.47% | 0.64% | 4.34% | 2.40% | -1.02% | +45 bps | |
| Loan Growth (YoY) | -7.38% | -8.47% | -5.22% | -4.67% | -4.92% | -6.85% | -7.27% | -12.08% | -741 bps | |
| Share Growth (YoY) | 3.86% | -0.15% | -2.21% | -2.08% | 0.84% | 4.63% | 2.96% | -0.24% | +184 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.64% | 1.25% | 2.01% | 2.62% | 2.67% | 2.26% | 1.19% | 1.30% | -131 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.26% | 0.35% | 0.40% | 0.46% | 1.11% | 0.70% | 0.74% | 0.86% | +40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.52% | 12.74% | 11.62% | 12.22% | 11.99% | 11.94% | 11.98% | 12.03% | -19 bps | |
| Net Worth / Assets | 12.52% | 12.74% | 11.62% | 12.22% | 11.99% | 11.94% | 11.98% | 12.03% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.26% | 70.88% | 68.02% | 67.29% | 66.25% | 63.10% | 61.26% | 59.31% | -799 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |