Detroit, MI · Charter 5255
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 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.
Detroit, MI · Charter 5255
Q4 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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.06% | -1.12% | -2.11% | -2.10% | -9.89% | -6.22% | -5.37% | -4.84% | -274 bps | |
| Return on Equity | -15.92% | -8.53% | -16.65% | -16.92% | -101.78% | -68.38% | -60.21% | -59.43% | -4,251 bps | |
| Net Interest Margin | 3.38% | 3.89% | 3.99% | 4.04% | 3.70% | 3.94% | 4.10% | 4.13% | +8 bps | |
| Efficiency Ratio | 129.10% | 114.63% | 118.20% | 120.47% | 117.18% | 108.83% | 112.44% | 122.58% | +211 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.01% | -6.41% | -8.96% | -3.80% | -5.73% | -4.49% | -5.58% | -4.50% | -70 bps | |
| Loan Growth (YoY) | -20.70% | -21.72% | -19.98% | -10.74% | -3.55% | 11.68% | 9.31% | -1.73% | +902 bps | |
| Share Growth (YoY) | 0.49% | -7.42% | -7.44% | 0.71% | -1.19% | 0.33% | -1.44% | -2.30% | -302 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.94% | 4.82% | 5.89% | 5.24% | 5.76% | 6.00% | 2.98% | 2.40% | -284 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 | 6.80% | 0.85% | 3.49% | 2.89% | 9.53% | 11.42% | 10.06% | 10.41% | +752 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.92% | 13.08% | 12.70% | 12.39% | 9.72% | 9.10% | 8.91% | 8.14% | -425 bps | |
| Net Worth / Assets | 12.92% | 13.08% | 12.70% | 12.39% | 9.72% | 9.10% | 8.91% | 8.14% | -425 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.23% | 34.20% | 34.74% | 35.93% | 36.35% | 38.07% | 38.53% | 36.14% | +21 bps | |
| Liquid Assets / Assets | 57.89% | 63.13% | 64.45% | 62.84% | 60.76% | 52.05% | 55.75% | 53.62% | -921 bps | |