Lansing, MI · Charter 60249
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.36% | -0.04% | -0.20% | -0.84% | 0.70% | 0.41% | 0.35% | -0.13% | +71 bps | |
| Return on Equity | -4.10% | -0.44% | -2.21% | -10.83% | 8.60% | 5.00% | 4.32% | -1.66% | +917 bps | |
| Net Interest Margin | 3.44% | 3.56% | 3.67% | 3.76% | 3.64% | 3.76% | 3.70% | 3.65% | -11 bps | |
| Efficiency Ratio | 78.52% | 73.21% | 73.58% | 72.99% | 65.51% | 68.01% | 68.48% | 80.08% | +708 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.07% | 2.21% | 1.61% | 3.15% | 4.64% | 2.49% | 6.00% | 4.58% | +143 bps | |
| Loan Growth (YoY) | 1.88% | 3.60% | 4.92% | 6.96% | 2.70% | 0.13% | -3.12% | -7.93% | -1,490 bps | |
| Share Growth (YoY) | 1.89% | 1.28% | 0.60% | 2.19% | 3.53% | 5.33% | 8.11% | 6.68% | +449 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.07% | 1.92% | 2.01% | 1.68% | 1.74% | 1.87% | 2.09% | 1.92% | +24 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 | 1.06% | 1.25% | 1.40% | 1.48% | 1.67% | 1.81% | 1.89% | 1.97% | +50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.82% | 9.00% | 8.96% | 7.77% | 8.12% | 8.27% | 8.15% | 7.87% | +10 bps | |
| Net Worth / Assets | 8.82% | 9.00% | 8.96% | 7.77% | 8.12% | 8.27% | 8.15% | 7.87% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.94% | 101.03% | 101.86% | 99.83% | 94.18% | 96.04% | 91.28% | 86.16% | -1,367 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |