Dearborn Hgts, MI · Charter 12039
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Dearborn Hgts, MI · Charter 12039
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.13% | -1.32% | -0.60% | -0.46% | -0.82% | -0.46% | -1.19% | -60 bps | |
| Return on Equity | 2.15% | 0.68% | -7.07% | -3.20% | -2.26% | -4.12% | -2.61% | -6.06% | -286 bps | |
| Net Interest Margin | 4.47% | 4.72% | 4.76% | 4.43% | 4.73% | 4.75% | 4.10% | 4.72% | +29 bps | |
| Efficiency Ratio | 91.59% | 90.93% | 92.41% | 95.15% | 97.21% | 97.32% | 110.68% | 123.77% | +2,862 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.50% | -1.25% | -3.34% | -3.63% | -10.32% | -6.65% | 5.96% | -10.17% | -655 bps | |
| Loan Growth (YoY) | -16.66% | -26.23% | -25.20% | -16.51% | -7.58% | -5.51% | -4.07% | -5.78% | +1,073 bps | |
| Share Growth (YoY) | 8.75% | -2.16% | -3.15% | -4.46% | -12.48% | -7.27% | 7.39% | -10.81% | -635 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 1.59% | 0.75% | 2.27% | 2.52% | 0.67% | 0.69% | 1.45% | -81 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 | 0.20% | 0.12% | 1.74% | 0.14% | 0.12% | 0.13% | 0.14% | 0.14% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.32% | 19.39% | 18.75% | 18.68% | 20.27% | 19.95% | 17.67% | 19.69% | +102 bps | |
| Net Worth / Assets | 18.32% | 19.39% | 18.75% | 18.68% | 20.27% | 19.95% | 17.67% | 19.69% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.79% | 45.32% | 41.27% | 40.27% | 49.41% | 46.18% | 36.86% | 42.55% | +227 bps | |
| Liquid Assets / Assets | 17.85% | 17.53% | 25.72% | 37.32% | 36.22% | 33.20% | 25.84% | 18.26% | -1,906 bps | |