Ann Arbor, MI · Charter 62465
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.66% | 1.86% | 1.71% | 1.61% | 1.45% | 1.46% | -43.93% | -30.97% | -3,258 bps | |
| Return on Equity | 11.68% | 13.48% | 13.89% | 14.05% | 12.80% | 12.45% | n/a | n/a | n/a | |
| Net Interest Margin | 3.37% | 3.70% | 3.30% | 3.03% | 2.99% | 3.37% | 4.14% | 3.38% | +35 bps | |
| Efficiency Ratio | 61.73% | 60.99% | 59.77% | 58.44% | 59.54% | 57.81% | 62.46% | 69.28% | +1,084 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.07% | 24.16% | 44.47% | 46.45% | 44.03% | 34.62% | -13.99% | -27.01% | -7,346 bps | |
| Loan Growth (YoY) | 76.58% | 89.62% | 106.42% | 88.72% | 56.22% | 41.90% | 20.87% | 0.64% | -8,808 bps | |
| Share Growth (YoY) | 2.01% | 13.40% | 18.92% | 18.41% | 35.52% | 26.52% | 8.91% | 5.26% | -1,315 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.54% | 1.25% | 1.22% | 1.20% | 1.60% | 3.43% | 11.94% | 24.56% | +2,336 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 | 0.39% | 0.34% | 0.25% | 0.21% | 0.27% | 0.32% | 23.31% | 24.15% | +2,394 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.20% | 13.80% | 12.31% | 11.47% | 11.32% | 11.73% | -10.99% | -11.69% | -2,316 bps | |
| Net Worth / Assets | 14.20% | 13.80% | 12.31% | 11.47% | 11.32% | 11.73% | -10.99% | -11.69% | -2,316 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 106.15% | 106.65% | 122.40% | 139.28% | 122.36% | 119.62% | 135.84% | 133.16% | -612 bps | |
| Liquid Assets / Assets | 7.27% | 3.68% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |