Warren, MI · Charter 63678
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.18% | 0.37% | 0.44% | 0.01% | 0.25% | 0.12% | 0.56% | +12 bps | |
| Return on Equity | 2.66% | 1.62% | 3.58% | 4.33% | 0.09% | 2.48% | 1.26% | 5.88% | +155 bps | |
| Net Interest Margin | 3.94% | 3.65% | 3.36% | 3.32% | 3.33% | 3.28% | 2.98% | 3.05% | -27 bps | |
| Efficiency Ratio | 81.69% | 79.07% | 85.18% | 82.01% | 90.63% | 87.18% | 90.17% | 86.76% | +475 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.04% | 25.09% | 32.44% | 28.07% | 22.83% | 14.29% | 13.56% | 10.16% | -1,791 bps | |
| Loan Growth (YoY) | 0.20% | 1.12% | 2.39% | 5.31% | 6.96% | 1.75% | 6.98% | 3.65% | -166 bps | |
| Share Growth (YoY) | 19.19% | 28.16% | 33.26% | 30.22% | 24.30% | 16.97% | 16.09% | 11.54% | -1,868 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.03% | 1.46% | 1.45% | 2.18% | 2.28% | 1.63% | 1.39% | 0.56% | -162 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 | 2.24% | 2.31% | 2.24% | 2.18% | 2.48% | 1.79% | 1.80% | 1.66% | -52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.03% | 10.97% | 10.23% | 10.16% | 10.01% | 10.00% | 9.14% | 9.49% | -67 bps | |
| Net Worth / Assets | 12.03% | 10.97% | 10.23% | 10.16% | 10.01% | 10.00% | 9.14% | 9.49% | -67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.26% | 69.39% | 65.08% | 63.47% | 63.04% | 60.36% | 59.97% | 58.98% | -449 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |