Wyandotte, MI · Charter 7195
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.
Wyandotte, MI · Charter 7195
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 | 0.09% | 0.00% | 0.15% | 0.24% | 1.33% | 0.10% | -0.37% | -2.68% | -292 bps | |
| Return on Equity | 1.35% | 0.05% | 2.16% | 3.31% | 17.45% | 1.38% | -4.91% | -47.15% | -5,046 bps | |
| Net Interest Margin | 3.59% | 3.63% | 3.59% | 3.68% | 4.25% | 3.96% | 3.92% | 4.14% | +46 bps | |
| Efficiency Ratio | 92.98% | 96.04% | 94.25% | 93.19% | 72.56% | 80.76% | 85.36% | 115.53% | +2,234 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.19% | -4.50% | -0.81% | -1.52% | -2.80% | -2.42% | -7.16% | -14.28% | -1,277 bps | |
| Loan Growth (YoY) | 7.65% | 6.07% | -4.22% | -5.15% | -18.77% | -19.25% | -16.14% | -18.62% | -1,347 bps | |
| Share Growth (YoY) | -1.26% | -4.96% | -2.27% | -2.37% | -3.50% | -5.62% | -7.18% | -10.68% | -831 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.45% | 4.55% | 2.38% | 3.59% | 3.70% | 1.83% | 1.19% | 0.51% | -307 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 | 1.46% | 1.69% | 1.35% | 1.30% | 1.00% | 0.73% | 1.08% | 0.41% | -88 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.86% | 7.00% | 6.93% | 7.17% | 7.61% | 7.46% | 7.44% | 5.68% | -149 bps | |
| Net Worth / Assets | 6.86% | 7.00% | 6.93% | 7.17% | 7.61% | 7.46% | 7.44% | 5.68% | -149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.60% | 40.01% | 38.85% | 39.09% | 33.34% | 34.24% | 35.10% | 35.62% | -347 bps | |
| Liquid Assets / Assets | 106.42% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |