PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Plus Savings Bank

Rochester Hills, MI · Cert 35486

FDIC

Q2 2005

$46.0MAssets
$27.2MLoans
$41.5MDeposits
n/aEquity

NIM

4.46%Q2 ’034.25%Q4 ’034.57%Q1 ’04-3%+9%

Non-interest income vs. expense

3.14%Q2 ’033.17%Q4 ’033.60%Q1 ’04-1%+20%

Executive Summary

  • Earnings: ROA of 0.13%, down 21 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 65.39% of deposits as of Q2 2005.

Financial Results

Return on Assets (quarter, annualized)

0.13%-21 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets0.35%0.38%0.19%0.51%0.13%-21 bps
Return on Equityn/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/a
Growth
Asset Growth (YoY)1.33%0.60%1.89%0.09%-3.98%-530 bps
Loan Growth (YoY)-11.74%-18.58%-14.98%-6.23%-7.78%+396 bps
Deposit Growth (YoY)0.89%0.06%1.72%-0.22%-4.55%-545 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/a
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 Capitaln/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits67.68%68.18%66.77%66.47%65.39%-229 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a