Centerline, MI · Charter 63690
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 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.
Centerline, MI · Charter 63690
Q2 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | 0.23% | 0.51% | 0.57% | 0.62% | 0.71% | 0.70% | 0.69% | +12 bps | |
| Return on Equity | 0.28% | 1.15% | 2.49% | 2.75% | 2.96% | 3.07% | 3.09% | 2.94% | +19 bps | |
| Net Interest Margin | 1.16% | 3.51% | 3.67% | 3.79% | 3.93% | 4.34% | 4.26% | 4.25% | +47 bps | |
| Efficiency Ratio | 95.25% | 93.51% | 86.53% | 85.34% | 84.45% | 83.88% | 83.71% | 84.02% | -132 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.50% | -9.41% | -12.34% | -5.16% | -2.80% | -10.48% | -7.89% | -9.58% | -442 bps | |
| Loan Growth (YoY) | 1.94% | 10.43% | 19.12% | 22.09% | 14.90% | 5.03% | -6.98% | -12.11% | -3,420 bps | |
| Share Growth (YoY) | -10.58% | -11.58% | -15.44% | -7.15% | -4.17% | -14.15% | -10.76% | -12.84% | -569 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 1.08% | 0.90% | 0.72% | 0.67% | 0.00% | 0.00% | 0.25% | -47 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 | 0.98% | 0.95% | 0.89% | 0.89% | 0.96% | 1.00% | 0.66% | 0.68% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.94% | 20.16% | 20.32% | 20.62% | 21.08% | 23.24% | 22.80% | 23.55% | +293 bps | |
| Net Worth / Assets | 19.94% | 20.16% | 20.32% | 20.62% | 21.08% | 23.24% | 22.80% | 23.55% | +293 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.68% | 63.93% | 68.80% | 72.49% | 71.55% | 78.22% | 71.72% | 73.10% | +60 bps | |
| Liquid Assets / Assets | 49.64% | 46.41% | 42.53% | 39.93% | 41.20% | 37.60% | 42.05% | 0.00% | -3,993 bps | |