Flint, MI · Charter 6266
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.09% | 0.19% | 0.21% | 0.22% | -0.23% | -0.13% | -0.03% | -24 bps | |
| Return on Equity | 2.07% | 0.80% | 1.75% | 1.93% | 2.06% | -2.22% | -1.31% | -0.31% | -225 bps | |
| Net Interest Margin | 3.73% | 3.83% | 3.82% | 3.80% | 3.74% | 3.26% | 3.25% | 3.34% | -46 bps | |
| Efficiency Ratio | 88.34% | 90.80% | 89.17% | 88.63% | 88.58% | 97.95% | 95.75% | 93.85% | +522 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.24% | 5.97% | 6.23% | 5.31% | 1.85% | 5.49% | 5.86% | 3.95% | -137 bps | |
| Loan Growth (YoY) | 6.04% | 4.33% | 1.42% | 1.09% | -0.52% | -0.90% | -0.72% | 0.75% | -34 bps | |
| Share Growth (YoY) | 6.20% | 6.44% | 6.63% | 6.04% | 6.02% | 5.68% | 6.25% | 4.50% | -154 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.66% | 1.64% | 1.89% | 1.94% | 2.07% | 2.03% | 1.92% | 1.77% | -17 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 | 0.81% | 0.86% | 0.94% | 0.96% | 0.98% | 0.99% | 0.98% | 0.85% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.84% | 10.79% | 10.81% | 10.83% | 10.87% | 10.37% | 10.27% | 10.46% | -37 bps | |
| Net Worth / Assets | 10.84% | 10.79% | 10.81% | 10.83% | 10.87% | 10.37% | 10.27% | 10.46% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.09% | 56.80% | 56.97% | 57.23% | 54.51% | 53.26% | 53.23% | 55.17% | -205 bps | |
| Liquid Assets / Assets | 96.99% | 97.80% | 99.76% | 99.71% | 99.87% | 98.91% | 99.60% | 99.51% | -19 bps | |