Ann Arbor, MI · Charter 60418
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 | -0.38% | -0.63% | -3.48% | -0.78% | -0.99% | -0.79% | -0.04% | -1.21% | -43 bps | |
| Return on Equity | -4.13% | -7.26% | -46.11% | -9.93% | -12.67% | -10.53% | -0.55% | -16.94% | -700 bps | |
| Net Interest Margin | 3.71% | 3.78% | 3.84% | 3.74% | 3.95% | 3.91% | 4.17% | 4.36% | +62 bps | |
| Efficiency Ratio | 88.40% | 89.38% | 88.08% | 70.53% | 70.91% | 73.33% | 81.73% | 89.89% | +1,936 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.02% | -4.08% | -5.35% | 0.71% | 2.56% | 4.73% | -0.68% | -7.57% | -828 bps | |
| Loan Growth (YoY) | 4.22% | 4.25% | -2.63% | -4.29% | -5.08% | -5.77% | -5.35% | -9.73% | -544 bps | |
| Share Growth (YoY) | 0.58% | 0.88% | 0.45% | 4.08% | 8.62% | 9.78% | 2.42% | -2.43% | -651 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 0.90% | 0.96% | 1.18% | 1.27% | 1.32% | 1.40% | 1.89% | +71 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 | 1.68% | 1.78% | 2.04% | 2.21% | 2.75% | 2.74% | 2.86% | 3.47% | +127 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.10% | 8.72% | 7.55% | 7.82% | 7.78% | 7.53% | 7.66% | 7.13% | -69 bps | |
| Net Worth / Assets | 9.10% | 8.72% | 7.55% | 7.82% | 7.78% | 7.53% | 7.66% | 7.13% | -69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.05% | 100.05% | 91.78% | 90.01% | 89.17% | 85.87% | 84.81% | 83.28% | -673 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |