Detroit, MI · Charter 60993
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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 60993
Q3 2014
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | -0.81% | -0.23% | -0.66% | -0.76% | -0.39% | -0.94% | -0.96% | -30 bps | |
| Return on Equity | 5.65% | -10.33% | -2.80% | -7.98% | -9.69% | -5.82% | -12.68% | -12.98% | -500 bps | |
| Net Interest Margin | 2.51% | 2.34% | 2.28% | 2.16% | 2.09% | 1.29% | 1.26% | 1.29% | -87 bps | |
| Efficiency Ratio | 83.64% | 134.02% | 110.09% | 130.96% | 141.43% | 128.16% | 214% | 170.79% | +3,983 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 53.69% | 27.77% | 6.16% | 2.43% | -8.44% | 5.91% | -5.54% | -4.41% | -684 bps | |
| Loan Growth (YoY) | -24.31% | -37.38% | -36.78% | -35.61% | -27.53% | -32.65% | -11.55% | 80.74% | +11,635 bps | |
| Share Growth (YoY) | 60.40% | 30.10% | 7.82% | 4.76% | -7.04% | 8.13% | -5.14% | -3.91% | -867 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 11.58% | 1.52% | 8.72% | 7.33% | 7.34% | 0.00% | 0.00% | -872 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 | 21.79% | 25.80% | 31.11% | 31.88% | 30.07% | 38.31% | 35.44% | 17.77% | -1,411 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.09% | 7.86% | 8.32% | 8.30% | 7.81% | 6.71% | 7.40% | 7.39% | -91 bps | |
| Net Worth / Assets | 8.09% | 7.86% | 8.32% | 8.30% | 7.81% | 6.71% | 7.40% | 7.39% | -91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.42% | 19.62% | 16.94% | 17.22% | 18.26% | 12.22% | 15.80% | 32.38% | +1,517 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |