Troy, MI · Charter 60554
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.49% | 0.49% | 0.54% | 0.47% | 0.85% | 0.82% | 0.90% | +36 bps | |
| Return on Equity | 4.09% | 4.05% | 4.07% | 4.26% | 3.69% | 6.52% | 6.26% | 6.43% | +217 bps | |
| Net Interest Margin | 2.30% | 2.41% | 2.38% | 2.51% | 2.58% | 2.76% | 2.80% | 2.98% | +47 bps | |
| Efficiency Ratio | 73.02% | 71.01% | 70.89% | 69.84% | 69.32% | 69.18% | 70.90% | 70.56% | +72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.99% | 0.19% | -1.43% | -2.97% | -2.86% | -1.88% | -3.06% | -4.12% | -115 bps | |
| Loan Growth (YoY) | -1.50% | 6.95% | 16.33% | 21.05% | 11.00% | 8.19% | 10.59% | 12.34% | -870 bps | |
| Share Growth (YoY) | 4.65% | 0.01% | -2.32% | -2.96% | -3.03% | -2.83% | -3.91% | -6.25% | -329 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.65% | 0.71% | 0.84% | 1.31% | 1.29% | 1.13% | 1.21% | +37 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 | 0.40% | 0.40% | 0.40% | 0.45% | 0.71% | 0.44% | 0.37% | 0.28% | -17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.94% | 12.10% | 12.05% | 12.60% | 12.76% | 13.01% | 13.18% | 14.02% | +141 bps | |
| Net Worth / Assets | 11.94% | 12.10% | 12.05% | 12.60% | 12.76% | 13.01% | 13.18% | 14.02% | +141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.29% | 68.42% | 69.20% | 74.88% | 75.89% | 76.18% | 79.65% | 89.72% | +1,484 bps | |
| Liquid Assets / Assets | 30.90% | 31.01% | 29.15% | 23.60% | 24.36% | 24.83% | 21.24% | 15.95% | -765 bps | |