Dearborn, MI · Charter 61943
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 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.
Dearborn, MI · Charter 61943
Q1 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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.29% | -1.61% | -1.90% | -2.24% | -3.02% | -3.96% | -5.13% | -14.60% | -1,237 bps | |
| Return on Equity | -3.31% | -18.36% | -20.84% | -24.93% | -37.30% | -53.27% | -96.07% | -1246% | -122,127 bps | |
| Net Interest Margin | 5.38% | 5.64% | 5.52% | 4.62% | 4.32% | 4.44% | 4.31% | 3.28% | -134 bps | |
| Efficiency Ratio | 103.80% | 105.83% | 107.54% | 133.93% | 125.51% | 135.96% | 143.53% | 131.12% | -282 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.13% | -20.02% | -18.61% | -21.32% | -16.43% | -13.18% | -12.85% | -12.71% | +861 bps | |
| Loan Growth (YoY) | -36.29% | -36.32% | -36.71% | -36.63% | -34.69% | -35.02% | -35.31% | -36.27% | +36 bps | |
| Share Growth (YoY) | -19.80% | -21.93% | -18.81% | -19.85% | -14.50% | -10.24% | -9.62% | -7.92% | +1,193 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 14.29% | 17.31% | 10.17% | 15.00% | 15.21% | 19.45% | 25.00% | 16.91% | +191 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 | 8.05% | 9.56% | 8.54% | 7.55% | 9.57% | 9.08% | 12.95% | 22.96% | +1,541 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.73% | 8.78% | 9.12% | 8.98% | 8.09% | 7.43% | 5.34% | 1.17% | -780 bps | |
| Net Worth / Assets | 8.73% | 8.78% | 9.12% | 8.98% | 8.09% | 7.43% | 5.34% | 1.17% | -780 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.43% | 46.57% | 41.93% | 37.92% | 34.70% | 33.72% | 30.01% | 26.25% | -1,168 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |