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H A B D

Birmingham, AL · Charter 11118

Q3 2011

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: Q3 2011, the quarter ended September 30, 2011, 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

H A B D

Birmingham, AL · Charter 11118

Q3 2011

$1.3MAssets
$777KLoans
$1.2MShares
$99KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -13.58%, down 1,190 bps year over year; NIM at 1.06%.
  • Asset quality: problem loans at 27.60% of loans (+632 bps YoY).
  • Capital: net worth / assets of 7.36%, down 2,614 bps from a year ago.
  • Funding: loans stand at 63.25% of shares as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-13.58%-1,190 bps YoY

Net Interest Margin (YTD, annualized)

1.06%-146 bps YoY

Efficiency Ratio (YTD, annualized)

244%+8,758 bps YoY

Net Worth / Assets

7.36%-2,614 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-1.68%-4.62%-0.20%-15.93%-13.58%-1,190 bps
Return on Equity-5.01%-19.64%-4.34%-160.93%-184.36%-17,935 bps
Net Interest Margin2.51%3.16%0.78%0.54%1.06%-146 bps
Efficiency Ratio156.40%167.94%78.32%249%244%+8,758 bps
Growth
Asset Growth (YoY)10.23%43.47%509%63.74%57.56%+4,733 bps
Loan Growth (YoY)16.61%15.86%55.44%48.95%38.24%+2,162 bps
Share Growth (YoY)2.31%55.97%708%101.17%123.47%+12,117 bps
Asset Quality
Delinquent Loans / Loans21.29%13.06%9.95%26.91%27.60%+632 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans10.48%6.70%5.21%12.09%14.54%+406 bps
Capital
Risk-Based Capital33.50%23.51%4.72%9.90%7.36%-2,614 bps
Net Worth / Assets33.50%23.51%4.72%9.90%7.36%-2,614 bps
Liquidity & Funding
Loans / Shares102.25%78.04%19.66%72.22%63.25%-3,900 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps