Detroit, MI · Charter 63106
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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 63106
Q3 2014
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | -1.92% | -1.51% | -2.73% | -5.00% | -4.00% | -5.97% | -5.97% | -325 bps | |
| Return on Equity | 6.19% | -18.42% | -16.98% | -32.78% | -77.14% | -102.26% | -279% | -427% | -39,448 bps | |
| Net Interest Margin | 3.67% | 3.28% | 3.00% | 3.14% | 3.56% | 3.74% | 3.90% | 4.24% | +110 bps | |
| Efficiency Ratio | 94.90% | 110.10% | 107.43% | 115.62% | 122.42% | 124.85% | 136.29% | 133.32% | +1,770 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.54% | 13.10% | 12.82% | 5.35% | -4.60% | -15.42% | -27.63% | -33.23% | -3,857 bps | |
| Loan Growth (YoY) | -4.50% | -6.39% | -3.82% | -4.63% | -4.03% | -6.78% | -13.70% | -15.41% | -1,078 bps | |
| Share Growth (YoY) | 18.65% | 14.45% | 15.61% | 9.05% | 2.28% | -9.27% | -22.92% | -27.34% | -3,640 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.99% | 0.67% | 1.17% | 1.39% | 7.21% | 7.97% | 10.50% | 10.47% | +908 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 | 0.74% | 0.52% | 0.42% | 0.53% | 1.98% | 4.81% | 5.27% | 5.66% | +513 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.23% | 10.41% | 8.92% | 8.31% | 6.48% | 3.91% | 2.14% | 1.40% | -691 bps | |
| Net Worth / Assets | 11.23% | 10.41% | 8.92% | 8.31% | 6.48% | 3.91% | 2.14% | 1.40% | -691 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.79% | 53.78% | 49.60% | 50.46% | 56.10% | 55.25% | 55.53% | 58.75% | +829 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |