Redford, MI · Charter 62682
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Redford, MI · Charter 62682
Q3 2015
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.36% | 0.32% | 0.08% | 0.06% | 0.05% | 0.09% | 0.13% | 0.01% | -6 bps | |
| Return on Equity | -18.73% | 4.26% | 1.09% | 0.85% | 0.61% | 1.20% | 1.64% | 0.07% | -79 bps | |
| Net Interest Margin | 2.90% | 2.65% | 2.62% | 2.67% | 2.74% | 2.70% | 2.67% | 2.77% | +10 bps | |
| Efficiency Ratio | 88.95% | 88.78% | 89.91% | 90.22% | 92.89% | 97.05% | 95.88% | 95.35% | +512 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.68% | -8.36% | -4.36% | -3.90% | -4.78% | -1.49% | -3.39% | -2.50% | +140 bps | |
| Loan Growth (YoY) | -10.08% | -14.87% | -14.39% | 3.23% | 10.28% | 23.31% | 14.84% | 3.72% | +49 bps | |
| Share Growth (YoY) | -5.90% | -7.93% | -3.40% | -3.68% | -5.10% | -1.75% | -3.68% | -2.81% | +88 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 1.92% | 3.55% | 2.95% | 2.64% | 3.65% | 2.23% | 2.27% | -68 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 | 2.44% | 2.71% | 2.94% | 2.75% | 2.71% | 2.69% | 1.82% | 2.16% | -59 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.28% | 7.49% | 7.33% | 7.55% | 7.69% | 7.59% | 7.66% | 7.75% | +20 bps | |
| Net Worth / Assets | 7.28% | 7.49% | 7.33% | 7.55% | 7.69% | 7.59% | 7.66% | 7.75% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.30% | 46.05% | 46.27% | 54.99% | 56.12% | 57.79% | 55.16% | 58.68% | +369 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |