Warren, MI · Charter 62259
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 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.
Warren, MI · Charter 62259
Q2 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | -0.01% | -0.35% | -0.12% | -0.31% | -0.37% | -1.16% | -1.23% | -111 bps | |
| Return on Equity | 0.39% | -0.10% | -2.67% | -0.91% | -2.43% | -2.84% | -9.12% | -8.95% | -804 bps | |
| Net Interest Margin | 6.18% | 6.43% | 5.63% | 5.93% | 5.65% | 5.94% | 5.50% | 6.04% | +11 bps | |
| Efficiency Ratio | 99.18% | 100.21% | 106.04% | 101.92% | 105.38% | 106.18% | 120.95% | 120.06% | +1,814 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.16% | 4.24% | 5.45% | -1.03% | 2.66% | 0.94% | -2.18% | -13.20% | -1,218 bps | |
| Loan Growth (YoY) | -16.38% | -13.02% | -11.11% | -9.28% | 4.58% | 10.96% | 19.42% | 27.27% | +3,654 bps | |
| Share Growth (YoY) | 8.41% | 5.36% | 6.37% | -0.92% | 3.57% | 1.72% | -2.02% | -14.48% | -1,356 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.07% | 0.07% | 0.54% | 2.61% | +261 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 | 0.48% | 0.49% | 0.49% | 0.50% | 0.46% | 0.44% | 0.41% | 0.39% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.35% | 13.63% | 13.05% | 12.76% | 12.74% | 13.15% | 12.76% | 13.74% | +99 bps | |
| Net Worth / Assets | 13.35% | 13.63% | 13.05% | 12.76% | 12.74% | 13.15% | 12.76% | 13.74% | +99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.56% | 74.67% | 69.66% | 67.11% | 74.27% | 81.46% | 84.91% | 99.88% | +3,277 bps | |
| Liquid Assets / Assets | 35.21% | 34.70% | 37.95% | 40.20% | 34.07% | 28.35% | 24.66% | 12.87% | -2,733 bps | |