Monroe, MI · Charter 62192
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Monroe, MI · Charter 62192
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.06% | 0.02% | -0.03% | -0.04% | -0.39% | -0.37% | -5.56% | -553 bps | |
| Return on Equity | 0.79% | 0.31% | 0.09% | -0.15% | -0.18% | -1.77% | -1.61% | -23.25% | -2,309 bps | |
| Net Interest Margin | 4.48% | 4.09% | 4.08% | 4.00% | 4.43% | 4.34% | 4.55% | 5.32% | +132 bps | |
| Efficiency Ratio | 96.57% | 98.51% | 99.56% | 100.70% | 100.81% | 108.64% | 107.84% | 199.56% | +9,886 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.35% | 2.91% | 0.68% | 15.10% | -1.05% | -11.02% | -15.18% | -31.67% | -4,677 bps | |
| Loan Growth (YoY) | -3.67% | -3.45% | 0.96% | 9.90% | 19.52% | 6.53% | -0.22% | 4.02% | -588 bps | |
| Share Growth (YoY) | 4.04% | 3.51% | 0.79% | 19.46% | -1.15% | -13.61% | -18.82% | -35.84% | -5,531 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 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 | 0.67% | 0.45% | 0.42% | 0.42% | 0.41% | 0.42% | 0.42% | 0.40% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.31% | 19.99% | 19.86% | 19.21% | 21.49% | 22.31% | 23.18% | 23.92% | +471 bps | |
| Net Worth / Assets | 21.31% | 19.99% | 19.86% | 19.21% | 21.49% | 22.31% | 23.18% | 23.92% | +471 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.93% | 67.39% | 71.86% | 69.09% | 80.92% | 83.10% | 88.33% | 112.01% | +4,293 bps | |
| Liquid Assets / Assets | 46.11% | 41.13% | 30.64% | 32.75% | 19.97% | 25.98% | 22.45% | 3.31% | -2,943 bps | |