Birmingham, AL · Charter 13504
Q3 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.67% | 1.55% | 1.31% | 0.77% | +55 bps | |
| Return on Equity | 0.61% | 1.46% | 3.60% | 2.29% | 1.25% | +64 bps | |
| Net Interest Margin | 8.57% | 11.53% | 10.60% | 14.31% | 11.66% | +308 bps | |
| Efficiency Ratio | 97.51% | 94.30% | 85.59% | 90.93% | 93.52% | -399 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.52% | 3.58% | -2.71% | -31.43% | -40.78% | -4,630 bps | |
| Loan Growth (YoY) | 11.51% | 9.14% | 4.26% | -21.04% | -24.08% | -3,559 bps | |
| Share Growth (YoY) | 6.11% | 5.98% | -6.17% | -54.22% | -66.29% | -7,240 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.62% | 0.68% | 0.78% | 0.78% | +78 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 14.62% | 15.46% | 16.99% | 19.49% | 19.54% | +492 bps | |
| Capital | |||||||
| Risk-Based Capital | 35.73% | 46.01% | 42.94% | 57.35% | 61.52% | +2,579 bps | |
| Net Worth / Assets | 35.73% | 46.01% | 42.94% | 57.35% | 61.52% | +2,579 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 116.41% | 167.84% | 133.62% | 216% | 262% | +14,578 bps | |
| Liquid Assets / Assets | 32.05% | 24.54% | 36.75% | 28.53% | 17.75% | -1,431 bps | |