Hamtramck, MI · Charter 62360
Q1 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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.50% | 0.14% | 0.48% | -0.19% | 0.75% | 0.90% | 0.60% | 1.61% | +180 bps | |
| Return on Equity | -2.68% | 0.72% | 2.42% | -0.97% | 3.59% | 4.35% | 2.91% | 7.53% | +850 bps | |
| Net Interest Margin | 4.98% | 5.49% | 5.58% | 5.62% | 6.03% | 5.87% | 5.91% | 6.52% | +90 bps | |
| Efficiency Ratio | 109.37% | 97.61% | 91.90% | 103.26% | 88.00% | 85.17% | 90.25% | 76.53% | -2,673 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.33% | -9.42% | -7.72% | -5.71% | -4.11% | -1.39% | -0.05% | -3.65% | +205 bps | |
| Loan Growth (YoY) | 2.22% | 8.90% | 15.97% | 19.14% | 13.85% | 13.88% | 8.65% | -7.08% | -2,622 bps | |
| Share Growth (YoY) | -11.57% | -10.88% | -9.30% | -7.54% | -6.01% | -2.95% | -0.78% | -5.84% | +170 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.09% | 15.16% | 12.71% | 13.31% | 11.35% | 9.98% | 11.68% | 7.29% | -602 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 | 8.74% | 8.51% | 7.43% | 7.80% | 8.26% | 7.55% | 5.22% | 5.72% | -209 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.69% | 19.46% | 19.87% | 19.60% | 20.95% | 20.79% | 20.47% | 21.41% | +181 bps | |
| Net Worth / Assets | 18.69% | 19.46% | 19.87% | 19.60% | 20.95% | 20.79% | 20.47% | 21.41% | +181 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.59% | 45.58% | 47.39% | 49.83% | 49.17% | 53.48% | 51.90% | 49.18% | -65 bps | |
| Liquid Assets / Assets | 65.06% | 57.04% | 57.44% | 56.73% | 58.57% | 54.20% | 53.74% | 59.79% | +305 bps | |