Saginaw, MI · Charter 61869
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.14% | -1.50% | -1.31% | -1.29% | -5.90% | -3.21% | -2.56% | -2.39% | -109 bps | |
| Return on Equity | -12.40% | -8.75% | -7.42% | -7.29% | -35.76% | -19.50% | -15.78% | -14.84% | -755 bps | |
| Net Interest Margin | 3.36% | 3.15% | 3.15% | 3.26% | 3.33% | 3.17% | 3.27% | 3.42% | +16 bps | |
| Efficiency Ratio | 119.24% | 111.43% | 109.96% | 105.60% | 146.90% | 138.46% | 120.73% | 119.30% | +1,370 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.15% | -7.77% | -7.80% | -8.63% | -7.65% | -7.72% | -4.44% | -3.93% | +471 bps | |
| Loan Growth (YoY) | -21.41% | -19.74% | -15.15% | -13.46% | -14.56% | -11.56% | -9.62% | -4.48% | +898 bps | |
| Share Growth (YoY) | -6.80% | -7.66% | -8.37% | -8.78% | -7.46% | -7.16% | -2.75% | -2.48% | +630 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.33% | 3.47% | 3.68% | 3.43% | 1.21% | 1.30% | 2.22% | 4.16% | +73 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 | 2.37% | 2.39% | 2.44% | 2.62% | 2.06% | 2.84% | 2.85% | 2.69% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.27% | 17.11% | 17.63% | 17.76% | 16.49% | 16.44% | 16.23% | 16.10% | -166 bps | |
| Net Worth / Assets | 17.27% | 17.11% | 17.63% | 17.76% | 16.49% | 16.44% | 16.23% | 16.10% | -166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.71% | 69.94% | 72.82% | 71.65% | 67.13% | 66.62% | 67.68% | 70.18% | -147 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |