Redford Twp, MI · Charter 62307
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.
Redford Twp, MI · Charter 62307
Q4 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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.21% | 0.11% | 0.01% | -0.12% | -0.02% | -0.13% | -1.01% | -102 bps | |
| Return on Equity | 0.76% | 1.45% | 0.71% | 0.04% | -0.79% | -0.13% | -0.77% | -5.78% | -583 bps | |
| Net Interest Margin | 3.15% | 3.38% | 3.03% | 3.06% | 3.03% | 3.37% | 3.55% | 3.66% | +60 bps | |
| Efficiency Ratio | 87.99% | 83.55% | 84.92% | 86.78% | 93.59% | 86.49% | 85.97% | 90.00% | +321 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.99% | -12.96% | -14.17% | -13.90% | -12.34% | -11.83% | -13.07% | -15.82% | -192 bps | |
| Loan Growth (YoY) | -6.94% | -8.22% | -7.24% | -7.03% | -10.15% | -14.82% | -18.47% | -23.47% | -1,644 bps | |
| Share Growth (YoY) | -14.84% | -14.81% | -19.07% | -16.12% | -14.40% | -14.12% | -12.39% | -17.78% | -166 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.47% | 3.74% | 3.07% | 2.27% | 2.83% | 3.24% | 4.63% | 8.19% | +592 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 | 2.97% | 3.20% | 3.12% | 3.26% | 3.30% | 3.71% | 4.08% | 6.62% | +336 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.65% | 14.39% | 15.13% | 15.64% | 15.52% | 16.17% | 17.19% | 17.54% | +189 bps | |
| Net Worth / Assets | 13.65% | 14.39% | 15.13% | 15.64% | 15.52% | 16.17% | 17.19% | 17.54% | +189 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.52% | 28.50% | 31.13% | 30.98% | 28.89% | 28.27% | 28.97% | 28.84% | -214 bps | |
| Liquid Assets / Assets | 15.60% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |