Clawson, MI · Charter 60422
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Clawson, MI · Charter 60422
Q4 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.68% | 0.29% | -1.21% | -0.34% | 0.47% | 0.54% | 0.46% | -2.88% | -254 bps | |
| Return on Equity | -11.93% | 4.87% | -24.00% | -5.76% | 8.04% | 8.82% | 7.32% | -80.57% | -7,481 bps | |
| Net Interest Margin | 3.29% | 3.34% | 3.42% | 3.55% | 3.34% | 3.32% | 3.34% | 3.58% | +3 bps | |
| Efficiency Ratio | 101.94% | 87.23% | 92.71% | 84.47% | 82.02% | 80.07% | 86.77% | 144.12% | +5,965 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.78% | -22.88% | -3.11% | -2.63% | -3.58% | -4.79% | -5.60% | -9.71% | -708 bps | |
| Loan Growth (YoY) | -13.06% | -10.58% | -10.80% | -6.18% | -7.64% | -9.87% | -9.47% | -10.67% | -450 bps | |
| Share Growth (YoY) | 8.90% | 4.47% | -1.65% | -2.35% | -3.20% | -5.27% | -6.85% | -7.57% | -522 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 1.12% | 3.49% | 3.57% | 1.16% | 1.17% | 0.02% | 0.02% | -355 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 | 1.93% | 1.96% | 3.28% | 2.94% | 3.30% | 3.33% | 3.16% | 4.30% | +136 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.70% | 6.02% | 5.06% | 5.82% | 5.87% | 6.11% | 6.33% | 3.57% | -225 bps | |
| Net Worth / Assets | 5.70% | 6.02% | 5.06% | 5.82% | 5.87% | 6.11% | 6.33% | 3.57% | -225 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.85% | 49.25% | 48.67% | 50.19% | 46.61% | 46.86% | 47.31% | 48.50% | -169 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |