Romulus, MI · Charter 61820
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Romulus, MI · Charter 61820
Q2 2009
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.73% | -2.31% | -6.02% | -5.44% | -3.21% | -4.98% | -8.05% | -3.36% | +208 bps | |
| Return on Equity | -4.98% | -17.71% | -49.52% | -47.51% | -27.24% | -50.56% | -106.28% | -41.80% | +571 bps | |
| Net Interest Margin | 5.32% | 5.17% | 4.96% | 4.87% | 4.87% | 4.72% | 4.77% | 4.26% | -61 bps | |
| Efficiency Ratio | 75.31% | 74.62% | 89.78% | 90.35% | 85.75% | 88.12% | 85.47% | 99.19% | +884 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.32% | 4.26% | -5.55% | -9.79% | -8.87% | -11.91% | -5.31% | -1.79% | +800 bps | |
| Loan Growth (YoY) | -1.78% | -11.30% | -12.77% | -16.23% | -19.53% | -16.74% | -23.09% | -25.98% | -975 bps | |
| Share Growth (YoY) | 7.78% | 9.92% | -1.73% | -5.50% | -5.53% | -7.58% | -0.30% | 2.07% | +757 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.67% | 9.83% | 13.34% | 6.90% | 7.74% | 13.03% | 12.67% | 14.17% | +727 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 | 4.82% | 2.29% | 4.74% | 6.18% | 6.32% | 5.40% | 6.65% | 6.50% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.68% | 13.07% | 12.16% | 11.44% | 11.79% | 9.85% | 7.58% | 8.03% | -341 bps | |
| Net Worth / Assets | 14.68% | 13.07% | 12.16% | 11.44% | 11.79% | 9.85% | 7.58% | 8.03% | -341 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 107.78% | 96.30% | 98.51% | 97.30% | 91.81% | 86.76% | 75.99% | 70.56% | -2,674 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |