Plymouth, MI · Charter 7275
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 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.
Plymouth, MI · Charter 7275
Q3 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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 2.73% | 2.74% | 2.58% | 2.19% | 1.65% | 1.67% | 1.82% | -76 bps | |
| Return on Equity | 10.38% | 27.51% | 26.07% | 23.75% | 19.53% | 14.82% | 14.59% | 15.13% | -862 bps | |
| Net Interest Margin | 4.47% | 4.65% | 4.52% | 4.39% | 4.35% | 4.54% | 4.51% | 4.46% | +7 bps | |
| Efficiency Ratio | 54.63% | 58.99% | 58.02% | 58.11% | 61.55% | 60.94% | 59.84% | 59.01% | +91 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.16% | 3.65% | 3.15% | 7.00% | 4.97% | 7.08% | 7.03% | 4.09% | -291 bps | |
| Loan Growth (YoY) | 3.54% | 6.28% | 5.50% | 7.25% | 6.12% | 5.13% | 7.88% | 8.55% | +130 bps | |
| Share Growth (YoY) | 4.82% | 10.86% | 8.52% | 7.66% | 7.40% | 8.63% | 8.89% | 4.37% | -329 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.87% | 1.47% | 1.65% | 1.87% | 1.88% | 1.89% | 1.70% | 1.86% | 0 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 | 1.85% | 1.37% | 1.15% | 0.97% | 0.93% | 0.89% | 0.93% | 0.90% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.14% | 9.92% | 10.51% | 10.87% | 11.21% | 11.13% | 11.47% | 12.03% | +116 bps | |
| Net Worth / Assets | 9.14% | 9.92% | 10.51% | 10.87% | 11.21% | 11.13% | 11.47% | 12.03% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 107.55% | 106.52% | 105.67% | 105.55% | 106.26% | 103.09% | 104.68% | 109.78% | +423 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |