Berkley, MI · Charter 62111
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 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.
Berkley, MI · Charter 62111
Q1 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.36% | 0.27% | 0.22% | 0.36% | -0.82% | -0.68% | -0.50% | -72 bps | |
| Return on Equity | 6.04% | 4.95% | 3.63% | 3.34% | 5.22% | -13.01% | -10.63% | -8.26% | -1,160 bps | |
| Net Interest Margin | 3.86% | 3.81% | 3.76% | 3.53% | 3.55% | 3.56% | 3.66% | 3.63% | +10 bps | |
| Efficiency Ratio | 88.31% | 87.39% | 89.77% | 97.81% | 96.21% | 97.02% | 97.54% | 100.48% | +267 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.02% | -4.71% | -4.29% | -0.13% | -1.46% | -3.16% | -4.25% | -3.38% | -325 bps | |
| Loan Growth (YoY) | 9.23% | 6.31% | 7.16% | 9.64% | 8.00% | 9.45% | 5.92% | -1.29% | -1,092 bps | |
| Share Growth (YoY) | -4.35% | -1.74% | -3.36% | -0.26% | -0.71% | -4.10% | -3.66% | -2.50% | -223 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.43% | 0.89% | 2.73% | 2.61% | 2.67% | 4.09% | 2.55% | 2.99% | +38 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 | 0.69% | 0.73% | 0.67% | 1.57% | 1.42% | 2.14% | 2.03% | 2.22% | +65 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.20% | 7.28% | 7.39% | 6.68% | 6.91% | 6.27% | 6.39% | 6.07% | -61 bps | |
| Net Worth / Assets | 7.20% | 7.28% | 7.39% | 6.68% | 6.91% | 6.27% | 6.39% | 6.07% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.10% | 65.81% | 67.78% | 67.85% | 69.72% | 75.11% | 74.52% | 68.69% | +84 bps | |
| Liquid Assets / Assets | 18.22% | 20.14% | 14.40% | 15.27% | 0.00% | 0.00% | 0.00% | 0.00% | -1,527 bps | |