Bloomfld Hills, MI · Charter 61502
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Bloomfld Hills, MI · Charter 61502
Q2 2005
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.25% | -0.41% | -2.79% | -1.05% | -1.25% | -0.64% | 0.25% | 0.32% | +137 bps | |
| Return on Equity | -2.56% | -3.99% | -28.12% | -10.66% | -12.96% | -7.15% | 2.69% | 3.32% | +1,398 bps | |
| Net Interest Margin | 3.84% | 4.17% | 4.24% | 4.16% | 4.04% | 3.93% | 4.24% | 4.34% | +18 bps | |
| Efficiency Ratio | 101.83% | 100.84% | 120.35% | 102.92% | 106.31% | 98.47% | 89.10% | 88.96% | -1,396 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.78% | 3.34% | -4.08% | -3.48% | -11.77% | 0.36% | -0.55% | -4.97% | -149 bps | |
| Loan Growth (YoY) | -0.97% | 2.82% | 13.57% | 13.22% | 2.67% | 1.67% | -7.44% | -8.32% | -2,153 bps | |
| Share Growth (YoY) | 15.96% | 3.28% | -3.44% | -2.64% | -11.68% | 3.07% | 0.16% | -5.13% | -250 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.47% | 0.85% | 0.20% | 0.17% | 0.21% | 0.11% | 0.15% | -5 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 | 0.18% | 0.16% | 0.99% | 0.50% | 0.92% | 1.01% | 1.01% | 1.02% | +52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.71% | 10.39% | 9.93% | 9.81% | 9.68% | 8.99% | 9.34% | 9.74% | -6 bps | |
| Net Worth / Assets | 9.71% | 10.39% | 9.93% | 9.81% | 9.68% | 8.99% | 9.34% | 9.74% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.72% | 49.47% | 51.73% | 50.37% | 50.83% | 48.80% | 47.81% | 48.69% | -169 bps | |
| Liquid Assets / Assets | 32.37% | 5.91% | 19.73% | 12.51% | 11.94% | 14.69% | 15.03% | 18.54% | +603 bps | |