Troy, MI · Charter 62104
Q3 2008
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | -3.14% | -2.44% | -1.86% | -1.92% | -0.81% | -2.34% | -3.13% | -127 bps | |
| Return on Equity | 4.36% | -35.21% | -27.25% | -20.55% | -21.18% | -9.79% | -30.34% | -43.32% | -2,277 bps | |
| Net Interest Margin | 3.72% | 3.59% | 3.77% | 3.76% | 3.97% | 3.67% | 3.77% | 4.02% | +25 bps | |
| Efficiency Ratio | 85.42% | 92.46% | 90.57% | 87.54% | 96.85% | 60.57% | 77.93% | 97.86% | +1,031 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.56% | 1.72% | -3.90% | -6.85% | -11.12% | -5.94% | -5.66% | -8.93% | -209 bps | |
| Loan Growth (YoY) | 10.46% | 7.80% | -1.61% | -6.02% | -10.43% | -10.89% | -10.91% | -8.30% | -228 bps | |
| Share Growth (YoY) | 3.32% | 2.54% | -3.03% | -8.26% | -10.43% | -5.17% | -3.10% | -2.59% | +567 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.39% | 2.76% | 1.85% | 0.36% | 1.10% | 1.13% | 0.80% | 3.88% | +352 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 | 0.33% | 1.22% | 1.26% | 1.55% | 1.50% | 1.93% | 2.27% | 2.97% | +142 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.75% | 8.91% | 8.96% | 9.03% | 9.06% | 8.30% | 7.73% | 7.22% | -181 bps | |
| Net Worth / Assets | 9.75% | 8.91% | 8.96% | 9.03% | 9.06% | 8.30% | 7.73% | 7.22% | -181 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.29% | 80.98% | 84.78% | 86.88% | 85.29% | 76.10% | 77.95% | 81.78% | -509 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |