Riverview, MI · Charter 62241
Q1 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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.60% | -0.17% | -0.39% | -0.63% | -0.24% | -0.04% | -0.07% | -4.67% | -405 bps | |
| Return on Equity | -4.11% | -1.15% | -2.48% | -4.06% | -1.67% | -0.26% | -0.47% | -29.18% | -2,512 bps | |
| Net Interest Margin | 5.06% | 5.03% | 5.25% | 4.17% | 3.73% | 3.95% | 3.94% | 3.52% | -65 bps | |
| Efficiency Ratio | 84.21% | 85.00% | 87.02% | 114.06% | 106.04% | 100.97% | 100.54% | 128.33% | +1,427 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.02% | -10.94% | -13.22% | -13.86% | -2.00% | -8.25% | -3.74% | -9.83% | +403 bps | |
| Loan Growth (YoY) | -9.30% | -19.62% | -19.32% | -17.66% | -16.72% | -7.60% | 1.79% | -10.17% | +749 bps | |
| Share Growth (YoY) | -12.89% | -12.61% | -15.10% | -15.57% | -0.96% | -8.41% | -3.37% | -10.23% | +534 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.37% | 2.85% | 1.94% | 5.89% | 5.79% | 6.47% | 1.96% | 4.00% | -188 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 | 0.60% | 0.74% | 0.64% | 1.22% | 1.34% | 1.39% | 1.48% | 0.81% | -41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.55% | 14.82% | 15.57% | 15.40% | 14.41% | 15.60% | 15.83% | 16.01% | +60 bps | |
| Net Worth / Assets | 14.55% | 14.82% | 15.57% | 15.40% | 14.41% | 15.60% | 15.83% | 16.01% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.67% | 69.12% | 68.66% | 69.12% | 63.63% | 69.73% | 72.33% | 69.16% | +5 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |