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Letter portraitLegal landscapeQuarterYTD

Community Plus Savings Bank

Rochester Hills, MI · Cert 35486

FDIC

Q2 2005

$46.0MAssets
$27.2MLoans
$41.5MDeposits
n/aEquity
Deposit mix
81%Interest-bearing $33.8M19%Noninterest $7.9MQ3 2003Q2 2005

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.

Return on Assets (YTD, annualized)

0.13%-21 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.57%Q2 ’034.49%Q4 ’034.57%Q1 ’04+0%+5%

Non-interest income vs. expense

3.09%Q2 ’033.21%Q4 ’033.60%Q1 ’04+3%+16%

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets0.50%0.54%0.36%0.35%0.38%0.19%0.51%0.13%-21 bps
Return on Equity5.93%6.25%4.04%n/an/an/an/an/an/a
Net Interest Margin3.44%3.42%3.60%n/an/an/an/an/an/a
Efficiency Ratio77.93%78.10%84.32%n/an/an/an/an/an/a
Non-Interest Burden2.53%2.52%2.93%n/an/an/an/an/an/a
Growth
Asset Growth (YoY)3.72%3.61%0.39%1.33%0.60%1.89%0.09%-3.98%-530 bps
Loan Growth (YoY)8.61%11.08%-1.03%-11.74%-18.58%-14.98%-6.23%-7.78%+396 bps
Deposit Growth (YoY)3.66%3.39%-0.15%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.15%0.16%0.15%n/an/an/an/an/an/a
Allowance / Loans0.19%0.16%0.17%n/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital15.70%16.50%17.69%n/an/an/an/an/an/a
Equity / Assets8.63%8.87%8.86%n/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits83.79%79.89%70.73%67.68%68.18%66.77%66.47%65.39%-229 bps
Liquid Assets / Assets17.91%22.61%29.41%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a