Detroit, MI · Charter 61907
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 61907
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 | 0.18% | 0.26% | 0.36% | 0.27% | 0.57% | -0.22% | -0.09% | 0.38% | +11 bps | |
| Return on Equity | 1.81% | 2.42% | 3.18% | 2.76% | 6.48% | -2.47% | -1.04% | 2.20% | -56 bps | |
| Net Interest Margin | 4.94% | 5.18% | 5.59% | 4.81% | 4.20% | 2.48% | 3.51% | 5.76% | +95 bps | |
| Efficiency Ratio | 97.42% | 96.56% | 95.61% | 96.77% | 89.09% | 92.88% | 94.59% | 91.36% | -540 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.12% | 5.33% | 3.55% | 23.59% | 19.49% | 22.67% | 24.15% | -42.23% | -6,582 bps | |
| Loan Growth (YoY) | -1.14% | -8.96% | -13.86% | -19.68% | -20.13% | -13.02% | -8.70% | -7.95% | +1,174 bps | |
| Share Growth (YoY) | -10.27% | 5.71% | 4.02% | 26.21% | 21.46% | 25.70% | 27.33% | -47.41% | -7,363 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.08% | 0.32% | 0.66% | 1.38% | 0.69% | 0.23% | 0.24% | -42 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 | 0.87% | 0.47% | 0.52% | 0.72% | 0.54% | 1.46% | 1.36% | 1.60% | +87 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.03% | 10.64% | 11.25% | 9.75% | 8.74% | 8.71% | 9.03% | 17.26% | +751 bps | |
| Net Worth / Assets | 10.03% | 10.64% | 11.25% | 9.75% | 8.74% | 8.71% | 9.03% | 17.26% | +751 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.16% | 41.68% | 43.00% | 35.18% | 27.72% | 28.85% | 30.83% | 61.58% | +2,640 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |