Enterprise, AL · Charter 13019
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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.
Enterprise, AL · Charter 13019
Q4 2007
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.01% | 1.86% | 1.51% | 1.82% | -6.98% | -597 bps | |
| Return on Equity | -2.94% | 5.35% | 4.33% | 5.17% | -25.32% | -2,238 bps | |
| Net Interest Margin | 3.90% | 6.69% | 6.61% | 6.53% | 3.41% | -48 bps | |
| Efficiency Ratio | 123.79% | 75.24% | 78.48% | 73.25% | 292% | +16,846 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.37% | -1.79% | 0.23% | 1.34% | -0.30% | +1,207 bps | |
| Loan Growth (YoY) | 12.38% | 6.54% | -7.28% | -12.91% | -15.85% | -2,823 bps | |
| Share Growth (YoY) | -16.66% | -1.78% | 1.30% | 3.03% | 1.73% | +1,839 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.90% | 2.86% | 2.84% | 3.02% | 3.60% | +70 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.53% | 5.86% | 6.15% | 6.84% | 6.67% | +114 bps | |
| Capital | |||||||
| Risk-Based Capital | 34.46% | 34.76% | 34.98% | 35.25% | 27.58% | -688 bps | |
| Net Worth / Assets | 34.46% | 34.76% | 34.98% | 35.25% | 27.58% | -688 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.55% | 73.35% | 70.01% | 62.58% | 63.32% | -1,323 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |