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St. Johns Ame Birmingham

Birmingham, AL · Charter 12137

Q2 2013

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: Q2 2013, the quarter ended June 30, 2013, 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

St. Johns Ame Birmingham

Birmingham, AL · Charter 12137

Q2 2013

$41KAssets
$14KLoans
$40KShares
$1KNet 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 -10.67%, up 16 bps year over year; NIM at 5.73%.
  • Asset quality: problem loans at 19.65% of loans (+1,372 bps YoY).
  • Capital: net worth / assets of 2.88%, down 689 bps from a year ago.
  • Funding: loans stand at 35.68% of shares as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

-10.67%+16 bps YoY

Net Interest Margin (YTD, annualized)

5.73%+340 bps YoY

Efficiency Ratio (YTD, annualized)

278%-28,662 bps YoY

Net Worth / Assets

2.88%-689 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets-10.83%-0.48%-3.02%-7.65%-10.67%+16 bps
Return on Equity-110.79%-5.17%-41.62%-124.72%-370%-25,909 bps
Net Interest Margin2.33%1.12%1.99%6.92%5.73%+340 bps
Efficiency Ratio565%143.40%252%203%278%-28,662 bps
Growth
Asset Growth (YoY)-7.76%-6.72%-7.67%-7.39%-7.61%+15 bps
Loan Growth (YoY)-18.75%-9.60%-3.75%-0.73%-2.23%+1,652 bps
Share Growth (YoY)1.02%1.59%-0.88%2.15%0.65%-37 bps
Asset Quality
Delinquent Loans / Loans5.93%23.95%22.27%20.23%19.65%+1,372 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans12.15%11.22%10.65%12.74%11.37%-78 bps
Capital
Risk-Based Capital9.77%9.36%7.26%6.13%2.88%-689 bps
Net Worth / Assets9.77%9.36%7.26%6.13%2.88%-689 bps
Liquidity & Funding
Loans / Shares36.73%40.08%43.61%40.15%35.68%-105 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps