Royal Oak, MI · Charter 60897
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Royal Oak, MI · Charter 60897
Q3 2013
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.53% | -0.17% | -0.15% | -0.21% | -0.16% | -0.29% | -0.23% | -0.38% | -17 bps | |
| Return on Equity | -9.20% | -3.02% | -2.86% | -3.68% | -2.87% | -5.27% | -4.05% | -6.58% | -289 bps | |
| Net Interest Margin | 2.42% | 2.31% | 2.24% | 2.38% | 2.35% | 2.34% | 2.41% | 2.42% | +4 bps | |
| Efficiency Ratio | 117.93% | 105.77% | 105.41% | 106.77% | 104.64% | 109.78% | 107.51% | 111.95% | +519 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.05% | -0.09% | 5.26% | 0.91% | 1.93% | -0.91% | -9.21% | -7.10% | -801 bps | |
| Loan Growth (YoY) | -7.16% | 2.19% | 1.74% | 12.08% | 12.51% | 9.69% | 10.69% | 0.57% | -1,152 bps | |
| Share Growth (YoY) | 4.12% | 0.56% | 4.20% | 0.97% | 1.38% | -1.92% | -8.25% | -7.33% | -830 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.14% | 1.45% | 1.69% | 1.30% | 1.61% | 1.31% | 0.83% | 0.78% | -52 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 | 0.68% | 0.69% | 0.57% | 0.42% | 0.45% | 0.46% | 0.37% | 0.32% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.74% | 5.68% | 5.39% | 5.60% | 5.48% | 5.54% | 5.74% | 5.74% | +14 bps | |
| Net Worth / Assets | 5.74% | 5.68% | 5.39% | 5.60% | 5.48% | 5.54% | 5.74% | 5.74% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.32% | 24.94% | 24.96% | 27.78% | 26.99% | 27.89% | 30.11% | 30.15% | +237 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |