PackageTrendsPeer
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Community Bank of Dearborn

Dearborn, MI · Cert 33883

FDIC

Q4 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2011, the quarter ended December 31, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community Bank of Dearborn

Dearborn, MI · Cert 33883

FDIC

Q4 2011

$818.2MAssets
$659.4MLoans
$747.6MDeposits
$15.2MEquity
Loan mix
94%RE $388.0M6%C&I $24.0M0%Consumer $1.3MQ4 2010Q4 2011
Deposit mix
86%Interest-bearing $643.1M14%Noninterest $104.5MQ4 2010Q4 2011

NIM

5.19%Q4 ’095.07%Q4 ’105.03%Q4 ’11+24%+10%

Non-interest income vs. expense

3.15%Q4 ’093.10%Q4 ’103.44%Q4 ’11+12%-4%

Executive Summary

  • Earnings: ROA of -2.64%, down 119 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.92%.
  • Funding: loans stand at 88.20% of deposits as of Q4 2011.

Financial Results

Return on Assets (YTD, annualized)

-2.64%-119 bps YoY

Net Interest Margin (YTD, annualized)

4.10%+38 bps YoY

Efficiency Ratio (YTD, annualized)

83.30%-1,134 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets-1.45%0.16%-5.98%-3.66%-2.64%-119 bps
Return on Equity-31.86%3.98%-188.69%-129.25%-99.83%-6,797 bps
Net Interest Margin3.72%3.82%4.04%4.10%4.10%+38 bps
Efficiency Ratio94.64%80.10%86.03%83.95%83.30%-1,134 bps
Non-Interest Burden3.54%3.05%3.50%3.46%3.41%-14 bps
Growth
Asset Growth (YoY)-7.18%-7.46%-9.84%-10.32%-10.46%-328 bps
Loan Growth (YoY)-12.06%-12.06%-12.55%-12.47%-10.72%+135 bps
Deposit Growth (YoY)-6.41%-6.78%-6.54%-7.18%-7.97%-156 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.13%0.77%3.69%2.42%1.92%-121 bps
Allowance / Loans3.79%3.87%6.38%6.56%6.66%+288 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital6.17%6.55%2.92%3.42%3.61%-255 bps
Equity / Assets3.89%4.14%1.36%1.73%1.86%-203 bps
Liquidity & Funding
Loans / Deposits90.92%90.87%89.07%89.08%88.20%-272 bps
Liquid Assets / Assets9.56%10.71%9.42%13.32%14.71%+515 bps
CRE / Total Capitaln/an/an/an/an/an/an/a