Detroit, MI · Charter 62739
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Detroit, MI · Charter 62739
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.31% | 0.26% | 0.37% | 0.48% | 0.50% | 0.47% | -8.61% | -899 bps | |
| Return on Equity | 1.58% | 1.18% | 0.95% | 1.40% | 1.75% | 1.80% | 1.63% | -32.37% | -3,377 bps | |
| Net Interest Margin | 3.11% | 3.20% | 3.28% | 3.33% | 3.50% | 3.60% | 3.77% | 3.39% | +6 bps | |
| Efficiency Ratio | 89.72% | 92.26% | 92.02% | 90.74% | 88.22% | 87.46% | 88.64% | 302% | +21,175 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.14% | -8.09% | -7.76% | -7.38% | -6.92% | -4.48% | -5.52% | -6.00% | +138 bps | |
| Loan Growth (YoY) | -3.99% | -2.58% | -2.70% | -5.45% | -3.17% | -5.45% | -7.84% | -9.92% | -447 bps | |
| Share Growth (YoY) | -8.31% | -10.93% | -10.63% | -10.10% | -9.66% | -6.63% | -8.25% | -8.17% | +193 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 1.25% | 2.03% | 1.64% | 1.05% | 0.87% | 0.94% | 0.00% | -164 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 | 1.00% | 0.87% | 1.12% | 1.10% | 0.57% | 0.60% | 0.67% | 0.24% | -86 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.24% | 26.35% | 26.86% | 26.69% | 27.40% | 27.99% | 28.90% | 26.61% | -8 bps | |
| Net Worth / Assets | 25.24% | 26.35% | 26.86% | 26.69% | 27.40% | 27.99% | 28.90% | 26.61% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.42% | 38.08% | 38.48% | 36.57% | 37.96% | 38.56% | 38.65% | 35.87% | -69 bps | |
| Liquid Assets / Assets | 54.64% | 47.56% | 50.35% | 49.95% | 47.98% | 53.56% | 58.35% | 64.04% | +1,409 bps | |