Detroit, MI · Charter 63223
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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 63223
Q4 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | -1.46% | 0.24% | 0.26% | 2.05% | 3.17% | -1.94% | 0.68% | +42 bps | |
| Return on Equity | -3.14% | -8.61% | 1.31% | 1.41% | 8.32% | 11.99% | -7.23% | 4.30% | +290 bps | |
| Net Interest Margin | 2.70% | 2.40% | 2.38% | 2.37% | 2.37% | 2.55% | 2.95% | 2.58% | +21 bps | |
| Efficiency Ratio | 118.82% | 129.12% | 19.00% | 143.85% | 214% | 155.93% | 326% | 208% | +6,390 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.68% | -27.22% | -29.41% | -25.70% | -32.69% | -29.15% | -35.38% | -31.64% | -594 bps | |
| Loan Growth (YoY) | -38.90% | -42.38% | -49.20% | -33.63% | -21.77% | 2.27% | 19.73% | 22.73% | +5,636 bps | |
| Share Growth (YoY) | -9.48% | -19.41% | -23.06% | -22.57% | -39.72% | -37.52% | -42.17% | -36.07% | -1,350 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 52.02% | 51.46% | 47.48% | 35.42% | 25.78% | 18.62% | 17.41% | 15.72% | -1,969 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 | 39.38% | 45.35% | 40.98% | 36.83% | 31.62% | 24.78% | 17.69% | 33.83% | -300 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.17% | 16.98% | 18.72% | 18.80% | 24.63% | 26.48% | 26.78% | 15.87% | -293 bps | |
| Net Worth / Assets | 16.17% | 16.98% | 18.72% | 18.80% | 24.63% | 26.48% | 26.78% | 15.87% | -293 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.90% | 22.34% | 21.06% | 20.93% | 28.42% | 36.56% | 43.61% | 40.18% | +1,925 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |