Highland, MI · Charter 61043
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 | 0.44% | 0.38% | -5.86% | -1.92% | -1.32% | -1.13% | -0.57% | -0.27% | +165 bps | |
| Return on Equity | 4.29% | 4.01% | -81.60% | -25.42% | -16.87% | -14.93% | -7.88% | -3.79% | +2,163 bps | |
| Net Interest Margin | 3.56% | 3.28% | 2.41% | 2.50% | 2.74% | 2.78% | 2.97% | 3.01% | +51 bps | |
| Efficiency Ratio | 88.74% | 88.53% | 171.29% | 97.72% | 100.49% | 102.48% | 101.52% | 88.66% | -906 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.36% | 3.40% | 10.10% | 9.94% | 16.18% | 9.96% | 2.40% | 1.14% | -880 bps | |
| Loan Growth (YoY) | -0.47% | -2.52% | -0.05% | 6.88% | 8.49% | 10.42% | 9.12% | 3.67% | -321 bps | |
| Share Growth (YoY) | -3.30% | 4.23% | 12.83% | 12.28% | 18.14% | 11.14% | 1.80% | 1.33% | -1,095 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.38% | 0.97% | 0.22% | 0.27% | 0.38% | 0.35% | 0.15% | -7 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 | 0.27% | 0.27% | 0.59% | 0.46% | 0.48% | 0.49% | 0.71% | 0.75% | +28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.19% | 9.53% | 7.18% | 7.57% | 7.85% | 7.54% | 7.21% | 7.14% | -43 bps | |
| Net Worth / Assets | 10.19% | 9.53% | 7.18% | 7.57% | 7.85% | 7.54% | 7.21% | 7.14% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.65% | 63.71% | 56.67% | 59.66% | 63.96% | 63.30% | 60.75% | 61.04% | +138 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |