Royal Oak, MI · Charter 61235
Q2 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.16% | 0.88% | 0.88% | 0.86% | 0.83% | 0.83% | -1.45% | -233 bps | |
| Return on Equity | 10.69% | 9.42% | 6.48% | 6.77% | 6.29% | 6.26% | 6.00% | -11.98% | -1,875 bps | |
| Net Interest Margin | 3.52% | 3.50% | 3.31% | 3.25% | 3.24% | 3.14% | 3.17% | 3.17% | -8 bps | |
| Efficiency Ratio | 65.85% | 68.51% | 74.50% | 73.99% | 74.92% | 75.33% | 75.58% | 134.20% | +6,021 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.06% | 7.34% | 5.77% | 0.14% | 0.43% | 2.32% | 0.48% | -0.14% | -28 bps | |
| Loan Growth (YoY) | 9.76% | 10.72% | 8.67% | 0.85% | 3.42% | -0.16% | 1.35% | 3.69% | +285 bps | |
| Share Growth (YoY) | 11.32% | 8.04% | 5.40% | 0.78% | 0.56% | 2.81% | 0.16% | -0.95% | -173 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.28% | 0.16% | 0.41% | 0.33% | 0.27% | 0.36% | 0.30% | -11 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 | 0.73% | 0.60% | 0.67% | 0.77% | 0.67% | 0.61% | 0.61% | 0.41% | -36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.14% | 12.35% | 13.59% | 12.97% | 13.59% | 13.31% | 13.87% | 12.10% | -88 bps | |
| Net Worth / Assets | 12.14% | 12.35% | 13.59% | 12.97% | 13.59% | 13.31% | 13.87% | 12.10% | -88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.68% | 39.80% | 37.71% | 37.54% | 39.77% | 38.65% | 38.16% | 39.30% | +176 bps | |
| Liquid Assets / Assets | 25.11% | 23.98% | 26.14% | 34.94% | 37.15% | 36.16% | 42.80% | 47.33% | +1,239 bps | |