Warren, MI · Charter 1674
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 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.
Warren, MI · Charter 1674
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.80% | 0.49% | 0.61% | 0.73% | 0.81% | 0.68% | 0.70% | +9 bps | |
| Return on Equity | 7.89% | 8.26% | 5.21% | 6.32% | 7.08% | 7.73% | 6.77% | 6.87% | +55 bps | |
| Net Interest Margin | 3.55% | 3.49% | 3.39% | 3.49% | 3.62% | 3.55% | 3.42% | 3.50% | +1 bps | |
| Efficiency Ratio | 77.32% | 74.22% | 89.79% | 87.47% | 85.00% | 80.45% | 82.46% | 81.08% | -639 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.08% | 4.92% | 2.22% | 1.49% | -0.06% | -0.53% | 1.94% | 3.45% | +196 bps | |
| Loan Growth (YoY) | -1.22% | 3.22% | 7.87% | 10.20% | 11.06% | 5.91% | 1.64% | -2.08% | -1,228 bps | |
| Share Growth (YoY) | 2.92% | 4.29% | 1.53% | 0.39% | 0.03% | -0.13% | 2.48% | 4.25% | +386 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 0.70% | 0.80% | 0.97% | 0.55% | 0.53% | 0.42% | 0.74% | -24 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 | 0.46% | 0.43% | 0.40% | 0.35% | 0.34% | 0.37% | 0.37% | 0.37% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.57% | 9.67% | 9.42% | 9.71% | 10.37% | 10.54% | 10.05% | 10.20% | +49 bps | |
| Net Worth / Assets | 9.57% | 9.67% | 9.42% | 9.71% | 10.37% | 10.54% | 10.05% | 10.20% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.24% | 87.80% | 85.72% | 89.08% | 94.64% | 93.11% | 85.02% | 83.67% | -541 bps | |
| Liquid Assets / Assets | 11.90% | 11.52% | 15.36% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |