Detroit, MI · Charter 61860
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.91% | -1.29% | -1.57% | -2.51% | -3.70% | -3.21% | 0.15% | -0.78% | +173 bps | |
| Return on Equity | -44.82% | -19.67% | -24.38% | -44.89% | -73.09% | -77.05% | 3.81% | -20.93% | +2,396 bps | |
| Net Interest Margin | 3.12% | 3.11% | 3.48% | 3.82% | 4.50% | 4.81% | 4.62% | 4.81% | +99 bps | |
| Efficiency Ratio | 79.85% | 84.34% | 82.58% | 71.97% | 87.04% | 74.76% | 59.76% | 61.99% | -998 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.71% | -5.84% | -7.70% | -10.08% | -16.71% | -24.46% | -26.13% | -24.53% | -1,445 bps | |
| Loan Growth (YoY) | 0.60% | 0.71% | -0.15% | -2.62% | -8.58% | -16.06% | -22.73% | -23.81% | -2,120 bps | |
| Share Growth (YoY) | -1.98% | -3.64% | -4.51% | -7.30% | -15.00% | -22.08% | -23.94% | -23.48% | -1,618 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.39% | 5.00% | 4.13% | 3.69% | 3.05% | 3.30% | 3.63% | 3.33% | -36 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 | 1.53% | 1.33% | 1.02% | 1.95% | 1.51% | 2.78% | 2.62% | 2.63% | +68 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.49% | 6.56% | 6.44% | 5.59% | 5.06% | 4.17% | 4.00% | 3.73% | -186 bps | |
| Net Worth / Assets | 6.49% | 6.56% | 6.44% | 5.59% | 5.06% | 4.17% | 4.00% | 3.73% | -186 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.36% | 89.37% | 94.04% | 93.81% | 93.96% | 96.26% | 95.55% | 93.40% | -41 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |