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Dearborn Municipal

Dearborn, MI · Charter 62237

Q4 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Dearborn Municipal

Dearborn, MI · Charter 62237

Q4 2015

$20.3MAssets
$12.2MLoans
$17.7MShares
$2.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.50%, down 5 bps year over year; NIM at 4.32%.
  • Asset quality: problem loans at 0.78% of loans (-6 bps YoY).
  • Capital: net worth / assets of 11.27%, down 55 bps from a year ago.
  • Funding: loans stand at 69.24% of shares as of Q4 2015.

Return on Assets (YTD, annualized)

0.50%-5 bps YoY

Net Interest Margin (YTD, annualized)

4.32%-32 bps YoY

Efficiency Ratio (YTD, annualized)

87.03%+722 bps YoY

Net Worth / Assets

11.27%-55 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.72%0.78%0.75%0.55%-0.01%0.29%0.82%0.50%-5 bps
Return on Equity6.56%7.03%6.49%4.62%-0.06%2.74%7.38%4.42%-20 bps
Net Interest Margin4.08%4.16%4.45%4.65%3.95%4.01%4.15%4.32%-32 bps
Efficiency Ratio78.72%78.26%77.52%79.81%85.86%84.47%80.00%87.03%+722 bps
Growth
Asset Growth (YoY)5.03%6.80%4.31%1.97%3.77%5.37%10.41%9.74%+777 bps
Loan Growth (YoY)4.11%2.65%2.18%0.03%-0.27%-1.50%1.12%2.40%+237 bps
Share Growth (YoY)4.10%2.63%4.00%5.95%4.68%9.74%6.94%10.22%+427 bps
Asset Quality
Delinquent Loans / Loans1.31%1.29%0.69%0.85%0.30%0.39%0.66%0.78%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.51%1.61%1.44%1.89%2.06%2.09%1.89%1.54%-35 bps
Capital
Risk-Based Capital10.93%11.04%11.63%11.83%10.86%10.74%11.12%11.27%-55 bps
Net Worth / Assets10.93%11.04%11.63%11.83%10.86%10.74%11.12%11.27%-55 bps
Liquidity & Funding
Loans / Shares69.90%72.87%73.59%74.53%66.60%65.41%69.58%69.24%-529 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps