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Community

Plymouth, MI · Charter 7275

Q3 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community

Plymouth, MI · Charter 7275

Q3 2012

$502.4MAssets
$470.6MLoans
$428.7MShares
$60.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.82%, down 76 bps year over year; NIM at 4.46%.
  • Asset quality: problem loans at 1.86% of loans (0 bps YoY).
  • Capital: net worth / assets of 12.03%, up 116 bps from a year ago.
  • Funding: loans stand at 109.78% of shares as of Q3 2012.

Return on Assets (YTD, annualized)

1.82%-76 bps YoY

Net Interest Margin (YTD, annualized)

4.46%+7 bps YoY

Efficiency Ratio (YTD, annualized)

59.01%+91 bps YoY

Net Worth / Assets

12.03%+116 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.95%2.73%2.74%2.58%2.19%1.65%1.67%1.82%-76 bps
Return on Equity10.38%27.51%26.07%23.75%19.53%14.82%14.59%15.13%-862 bps
Net Interest Margin4.47%4.65%4.52%4.39%4.35%4.54%4.51%4.46%+7 bps
Efficiency Ratio54.63%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 / Loans1.87%1.47%1.65%1.87%1.88%1.89%1.70%1.86%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.85%1.37%1.15%0.97%0.93%0.89%0.93%0.90%-6 bps
Capital
Risk-Based Capital9.14%9.92%10.51%10.87%11.21%11.13%11.47%12.03%+116 bps
Net Worth / Assets9.14%9.92%10.51%10.87%11.21%11.13%11.47%12.03%+116 bps
Liquidity & Funding
Loans / Shares107.55%106.52%105.67%105.55%106.26%103.09%104.68%109.78%+423 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps