Roseville, MI · Charter 61964
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Roseville, MI · Charter 61964
Q1 2011
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.94% | -2.32% | 0.00% | -0.73% | -2.27% | -4.37% | -1.22% | -6.91% | -618 bps | |
| Return on Equity | -20.03% | -27.44% | -0.06% | -9.47% | -34.70% | -78.33% | -21.07% | -235% | -22,540 bps | |
| Net Interest Margin | 5.09% | 4.97% | 4.55% | 4.66% | 5.14% | 5.17% | 5.38% | 4.55% | -11 bps | |
| Efficiency Ratio | 99.44% | 85.86% | 70.80% | 87.24% | 86.50% | 89.73% | 81.25% | 223% | +13,578 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.35% | 17.54% | 22.25% | 22.27% | 9.90% | 0.74% | -9.83% | -8.36% | -3,063 bps | |
| Loan Growth (YoY) | 21.49% | 13.36% | 9.25% | 6.27% | 3.11% | -3.00% | -19.05% | -29.27% | -3,554 bps | |
| Share Growth (YoY) | 24.04% | 24.36% | 26.48% | 28.15% | 15.66% | 2.31% | -10.09% | -4.07% | -3,223 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.83% | 3.61% | 3.32% | 5.10% | 7.59% | 6.63% | 3.64% | 2.94% | -216 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 | 3.08% | 1.68% | 1.44% | 2.63% | 5.16% | 5.10% | 4.44% | 3.39% | +76 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.70% | 8.46% | 8.13% | 7.69% | 6.55% | 5.57% | 5.78% | 2.94% | -475 bps | |
| Net Worth / Assets | 9.70% | 8.46% | 8.13% | 7.69% | 6.55% | 5.57% | 5.78% | 2.94% | -475 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.09% | 70.60% | 65.08% | 67.13% | 70.51% | 66.94% | 58.60% | 49.49% | -1,763 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |