Dearborn Hgts, MI · Charter 6961
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Dearborn Hgts, MI · Charter 6961
Q1 2008
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.10% | 0.05% | -5.17% | -14.09% | -1,437 bps | |
| Return on Equity | 1.25% | 0.42% | 0.19% | -22.89% | -77.79% | -7,904 bps | |
| Net Interest Margin | 3.60% | 4.06% | 3.88% | 2.98% | 4.64% | +104 bps | |
| Efficiency Ratio | 82.89% | 80.40% | 77.11% | 98.98% | 86.00% | +311 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.52% | -12.98% | -12.90% | -24.00% | -30.97% | -1,946 bps | |
| Loan Growth (YoY) | -19.85% | -20.52% | -17.34% | -18.97% | -27.16% | -731 bps | |
| Share Growth (YoY) | -16.45% | -18.26% | -16.57% | -26.78% | -25.59% | -915 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 35.08% | 33.27% | 16.95% | 9.03% | 19.78% | -1,530 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 1.50% | 2.15% | 2.28% | 12.52% | +1,186 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.12% | 22.79% | 23.79% | 22.58% | 18.12% | -400 bps | |
| Net Worth / Assets | 22.12% | 22.79% | 23.79% | 22.58% | 18.12% | -400 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.51% | 48.71% | 52.43% | 54.66% | 53.36% | -115 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |