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Erie Shores

Maumee, OH · Charter 68381

Q4 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Erie Shores

Maumee, OH · Charter 68381

Q4 2007

$126.4MAssets
$86.4MLoans
$110.0MShares
$12.0MNet Worth

Executive Summary

  • Earnings: ROA of -0.67%, down 73 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 1.33% of loans (+94 bps YoY).
  • Capital: net worth / assets of 9.51%, down 94 bps from a year ago.
  • Funding: loans stand at 78.56% of shares as of Q4 2007.

Return on Assets (YTD, annualized)

-0.67%-73 bps YoY

Net Interest Margin (YTD, annualized)

2.88%-30 bps YoY

Efficiency Ratio (YTD, annualized)

115.20%+1,947 bps YoY

Net Worth / Assets

9.51%-94 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets0.05%0.07%0.07%0.06%0.03%0.02%0.01%-0.67%-73 bps
Return on Equity0.53%0.67%0.65%0.60%0.27%0.17%0.13%-7.03%-763 bps
Net Interest Margin3.16%3.28%3.31%3.17%2.78%2.85%2.87%2.88%-30 bps
Efficiency Ratio96.95%94.98%95.28%95.73%95.75%94.94%95.42%115.20%+1,947 bps
Growth
Asset Growth (YoY)1.98%2.17%2.39%8.40%4.22%6.44%6.46%2.67%-572 bps
Loan Growth (YoY)3.20%4.91%3.31%1.59%1.56%-1.74%-5.53%-5.56%-715 bps
Share Growth (YoY)-0.20%0.70%3.51%10.13%5.27%7.02%7.37%3.72%-641 bps
Asset Quality
Delinquent Loans / Loans0.35%0.29%0.45%0.40%0.69%1.24%1.58%1.33%+94 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.35%0.36%0.34%0.32%0.31%0.32%0.30%0.33%+1 bps
Capital
Risk-Based Capital10.16%10.62%10.81%10.45%9.80%10.01%10.17%9.51%-94 bps
Net Worth / Assets10.16%10.62%10.81%10.45%9.80%10.01%10.17%9.51%-94 bps
Liquidity & Funding
Loans / Shares81.47%86.01%90.87%86.28%78.60%78.96%79.95%78.56%-772 bps
Liquid Assets / Assets18.90%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps