PackageTrendsPeer
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Community Central Bank

Mount Clemens, MI · Cert 34234

FDIC

Q1 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: Q1 2011, the quarter ended March 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 Central Bank

Mount Clemens, MI · Cert 34234

FDIC

Q1 2011

$451.7MAssets
$326.0MLoans
$371.5MDeposits
$903KEquity
Loan mix
86%RE $214.6M11%C&I $27.4M3%Consumer $6.9MQ1 2010Q1 2011
Deposit mix
90%Interest-bearing $332.5M10%Noninterest $39.0MQ1 2010Q1 2011

NIM

5.22%Q1 ’094.55%Q1 ’104.51%Q1 ’11-4%+18%

Non-interest income vs. expense

2.47%Q1 ’093.19%Q1 ’103.83%Q1 ’11+20%+34%

Executive Summary

  • Earnings: ROA of -6.69%, down 34 bps year over year; NIM at 2.51%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 10.75%.
  • Funding: loans stand at 87.75% of deposits as of Q1 2011.

Financial Results

Return on Assets (YTD, annualized)

-6.69%-34 bps YoY

Net Interest Margin (YTD, annualized)

2.51%+39 bps YoY

Efficiency Ratio (YTD, annualized)

132.02%+1,549 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2010Q2 2010Q3 2010Q4 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets-6.35%-4.73%-4.40%-4.97%-6.69%-34 bps
Return on Equity-114.57%-93.25%-94.62%-120.17%-654%-53,980 bps
Net Interest Margin2.12%2.23%2.47%2.58%2.51%+39 bps
Efficiency Ratio116.53%112.83%111.27%100.93%132.02%+1,549 bps
Non-Interest Burden2.58%2.58%2.82%2.81%3.44%+86 bps
Growth
Asset Growth (YoY)0.10%-2.46%-5.94%-12.82%-19.08%-1,919 bps
Loan Growth (YoY)-6.55%-4.38%-4.41%-7.75%-19.33%-1,279 bps
Deposit Growth (YoY)15.37%15.61%6.68%-4.14%-12.97%-2,834 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans6.58%4.39%3.40%4.19%10.75%+417 bps
Allowance / Loans3.59%4.05%4.93%5.19%5.32%+173 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 Capital7.05%6.14%4.83%3.67%0.48%-657 bps
Equity / Assets4.70%4.11%3.32%1.80%0.20%-450 bps
Liquidity & Funding
Loans / Deposits94.68%93.90%100.17%97.35%87.75%-692 bps
Liquid Assets / Assets1.17%11.35%7.00%8.36%13.91%+1,275 bps
CRE / Total Capitaln/an/an/an/an/an/an/a