Oscoda, MI · Charter 61295
Q1 2008
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.46% | -0.31% | -0.25% | -0.24% | -0.10% | -0.01% | 0.03% | -0.13% | +12 bps | |
| Return on Equity | -4.30% | -2.82% | -2.30% | -2.28% | -0.95% | -0.07% | 0.30% | -1.13% | +116 bps | |
| Net Interest Margin | 2.86% | 2.94% | 2.94% | 2.89% | 2.93% | 3.01% | 3.05% | 2.97% | +8 bps | |
| Efficiency Ratio | 111.83% | 107.49% | 106.17% | 107.30% | 102.75% | 100.00% | 98.85% | 103.04% | -426 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.94% | 3.33% | 2.45% | -0.98% | -0.40% | -0.49% | -2.34% | -3.49% | -251 bps | |
| Loan Growth (YoY) | -8.24% | -7.94% | -1.51% | -3.34% | -3.26% | -2.93% | -6.77% | -7.81% | -447 bps | |
| Share Growth (YoY) | 6.97% | 3.98% | 3.06% | -1.05% | -0.69% | -0.21% | -2.54% | -3.82% | -277 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.33% | 0.62% | 0.26% | 0.69% | 0.83% | 0.85% | 0.88% | +62 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 | 0.28% | 0.28% | 0.26% | 0.27% | 0.28% | 0.28% | 0.27% | 0.30% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.74% | 10.85% | 10.81% | 10.69% | 10.71% | 10.88% | 11.11% | 11.14% | +45 bps | |
| Net Worth / Assets | 10.74% | 10.85% | 10.81% | 10.69% | 10.71% | 10.88% | 11.11% | 11.14% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.18% | 52.88% | 54.02% | 51.44% | 51.81% | 51.44% | 51.67% | 49.30% | -214 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |