Warren, MI · Charter 8260
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 | 0.89% | 0.74% | 0.92% | 1.01% | 0.99% | 0.87% | 0.98% | -1.44% | -245 bps | |
| Return on Equity | 4.52% | 3.72% | 4.34% | 4.66% | 4.48% | 3.86% | 4.27% | -6.81% | -1,147 bps | |
| Net Interest Margin | 3.31% | 3.30% | 3.56% | 3.68% | 3.72% | 3.70% | 3.63% | 3.89% | +21 bps | |
| Efficiency Ratio | 73.33% | 77.68% | 72.31% | 71.20% | 73.53% | 76.61% | 73.34% | 79.86% | +866 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.03% | -0.88% | -3.48% | -4.61% | -6.99% | -7.73% | -3.31% | -8.04% | -343 bps | |
| Loan Growth (YoY) | -10.52% | -10.20% | -6.30% | -5.54% | -3.13% | -0.66% | -2.59% | -7.70% | -216 bps | |
| Share Growth (YoY) | -0.81% | -2.21% | -5.26% | -7.12% | -9.97% | -11.00% | -5.53% | -7.47% | -35 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 19.00% | 17.53% | 17.68% | 18.47% | 20.99% | 29.34% | 30.86% | 28.81% | +1,034 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 | 1.08% | 1.10% | 1.21% | 1.22% | 1.27% | 1.27% | 1.28% | 7.08% | +587 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.60% | 19.91% | 21.11% | 21.64% | 22.09% | 22.65% | 22.89% | 21.13% | -51 bps | |
| Net Worth / Assets | 19.60% | 19.91% | 21.11% | 21.64% | 22.09% | 22.65% | 22.89% | 21.13% | -51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.63% | 59.84% | 63.51% | 66.16% | 64.17% | 66.79% | 65.49% | 65.99% | -17 bps | |
| Liquid Assets / Assets | 51.92% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |