Detroit, MI · Charter 61375
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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 61375
Q4 2015
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.19% | -0.10% | 0.24% | 0.17% | -0.76% | -0.12% | -5.11% | -7784% | -778,424 bps | |
| Return on Equity | -0.84% | -0.44% | 1.06% | 0.74% | -3.24% | -0.52% | -25.92% | -7784% | -778,481 bps | |
| Net Interest Margin | 0.73% | 0.84% | 1.34% | 1.38% | 1.36% | 1.06% | -4.07% | -7488% | -748,947 bps | |
| Efficiency Ratio | 116.92% | 108.96% | 84.34% | 89.22% | 154.70% | 158.92% | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.99% | 5.15% | 3.55% | 0.34% | -3.55% | -3.22% | -2.40% | -99.71% | -10,005 bps | |
| Loan Growth (YoY) | -61.50% | -95.97% | -98.83% | -99.18% | -100.00% | -100.00% | -100.00% | -100.00% | -82 bps | |
| Share Growth (YoY) | 10.27% | 6.82% | 4.56% | 0.06% | -4.33% | -3.81% | 2.44% | -100.00% | -10,006 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | n/a | n/a | |
| 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 | 11.69% | 125.91% | 342% | 808% | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 22.51% | 22.60% | 23.01% | 22.86% | 23.37% | 23.52% | 19.73% | 100.00% | +7,714 bps | |
| Net Worth / Assets | 22.51% | 22.60% | 23.01% | 22.86% | 23.37% | 23.52% | 19.73% | 100.00% | +7,714 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 2.77% | 0.26% | 0.10% | 0.04% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |