Wyandotte, MI · Charter 7324
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.17% | 0.01% | -0.21% | -0.06% | 0.28% | 0.45% | -1.28% | -106 bps | |
| Return on Equity | 4.11% | 1.50% | 0.10% | -1.96% | -0.55% | 2.55% | 3.99% | -12.31% | -1,035 bps | |
| Net Interest Margin | 4.34% | 4.50% | 4.24% | 4.20% | 4.33% | 4.01% | 3.82% | 3.91% | -29 bps | |
| Efficiency Ratio | 85.70% | 86.51% | 95.48% | 98.74% | 95.67% | 90.66% | 90.77% | 106.83% | +809 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.86% | -1.69% | 3.74% | 4.73% | 0.31% | 10.54% | 1.65% | 3.02% | -171 bps | |
| Loan Growth (YoY) | 12.52% | 9.52% | 9.24% | 0.59% | 0.21% | 2.77% | -1.09% | 1.34% | +75 bps | |
| Share Growth (YoY) | -3.46% | -2.04% | 3.41% | 5.77% | 4.20% | 2.81% | 2.40% | 4.68% | -109 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 1.06% | 0.90% | 0.60% | 0.91% | 1.28% | 1.19% | 1.13% | +53 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 | 0.09% | 0.52% | 0.50% | 0.51% | 0.52% | 0.53% | 0.49% | 0.97% | +46 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.50% | 11.64% | 10.98% | 10.96% | 11.23% | 10.81% | 11.20% | 10.38% | -57 bps | |
| Net Worth / Assets | 11.50% | 11.64% | 10.98% | 10.96% | 11.23% | 10.81% | 11.20% | 10.38% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.14% | 68.16% | 63.55% | 65.79% | 68.42% | 68.13% | 61.38% | 63.70% | -210 bps | |
| Liquid Assets / Assets | 25.26% | 25.94% | 30.32% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |