Melvindale, MI · Charter 61131
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Melvindale, MI · Charter 61131
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.71% | -0.78% | -0.74% | -0.45% | -0.45% | -1.48% | -1.11% | -3.02% | -257 bps | |
| Return on Equity | -8.58% | -10.36% | -9.49% | -5.75% | -5.68% | -19.82% | -13.54% | -47.49% | -4,174 bps | |
| Net Interest Margin | 4.09% | 3.29% | 3.67% | 3.74% | 3.86% | 3.68% | 4.17% | 4.02% | +28 bps | |
| Efficiency Ratio | 100.16% | 114.18% | 106.67% | 102.40% | 102.16% | 112.42% | 110.57% | 148.84% | +4,644 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.84% | 1.56% | -0.43% | 6.78% | -0.59% | -6.26% | -11.58% | -10.89% | -1,766 bps | |
| Loan Growth (YoY) | -8.39% | -1.71% | 0.44% | 2.07% | 0.70% | -7.00% | -12.69% | -14.44% | -1,651 bps | |
| Share Growth (YoY) | -2.51% | 3.87% | 1.63% | 8.77% | 1.14% | -6.47% | -11.89% | -14.87% | -2,364 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.67% | 4.95% | 0.61% | 3.54% | 0.43% | 0.60% | 0.79% | 4.46% | +92 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 | 3.84% | 3.99% | 0.53% | 1.15% | 0.81% | 1.68% | 1.84% | 2.21% | +106 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.27% | 7.57% | 7.78% | 7.79% | 7.87% | 7.47% | 8.17% | 6.37% | -143 bps | |
| Net Worth / Assets | 8.27% | 7.57% | 7.78% | 7.79% | 7.87% | 7.47% | 8.17% | 6.37% | -143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.91% | 27.11% | 29.24% | 29.93% | 28.78% | 26.96% | 28.98% | 30.08% | +15 bps | |
| Liquid Assets / Assets | 19.00% | 15.38% | 4.18% | 5.66% | 10.83% | 14.94% | 0.00% | 0.00% | -566 bps | |