Dearborn, MI · Charter 8389
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Dearborn, MI · Charter 8389
Q2 2003
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 0.07% | 0.29% | -0.22% | 0.16% | 0.05% | 0.35% | 0.30% | +52 bps | |
| Return on Equity | 5.42% | 0.35% | 1.42% | -1.15% | 0.85% | 0.26% | 1.78% | 1.49% | +264 bps | |
| Net Interest Margin | 5.02% | 4.70% | 4.43% | 3.86% | 3.98% | 4.28% | 5.16% | 5.02% | +116 bps | |
| Efficiency Ratio | 82.76% | 85.83% | 86.09% | 93.11% | 88.42% | 87.08% | 87.04% | 88.53% | -458 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.40% | 6.31% | 16.18% | 16.15% | 15.27% | 5.65% | 2.16% | -2.46% | -1,861 bps | |
| Loan Growth (YoY) | -1.40% | 2.60% | 2.95% | 20.46% | 16.53% | 16.67% | 11.16% | -3.28% | -2,374 bps | |
| Share Growth (YoY) | 11.45% | 5.77% | 17.66% | 19.36% | 19.01% | 5.84% | 3.45% | -3.86% | -2,322 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.37% | 2.23% | 1.10% | 1.51% | 1.61% | 2.29% | 0.99% | 2.39% | +88 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 | 0.93% | 1.07% | 0.83% | 1.20% | 1.17% | 1.11% | 1.16% | 0.87% | -33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.08% | 19.91% | 20.11% | 19.10% | 18.68% | 19.13% | 19.83% | 19.89% | +80 bps | |
| Net Worth / Assets | 21.08% | 19.91% | 20.11% | 19.10% | 18.68% | 19.13% | 19.83% | 19.89% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.59% | 74.03% | 74.31% | 75.80% | 77.93% | 81.60% | 79.85% | 76.25% | +46 bps | |
| Liquid Assets / Assets | 32.03% | 36.10% | 36.21% | 33.95% | 31.97% | 30.38% | 30.82% | 33.44% | -51 bps | |