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Bestwall Brunswick

Brunswick, GA · Charter 13847

Q4 2009

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: Q4 2009, the quarter ended December 31, 2009, 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

Bestwall Brunswick

Brunswick, GA · Charter 13847

Q4 2009

$173KAssets
$102KLoans
$138KShares
$34KNet 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 -41.27%, down 4,041 bps year over year; NIM at 7.49%.
  • Asset quality: problem loans at 100.00% of loans (+3,498 bps YoY).
  • Capital: net worth / assets of 19.75%, down 1,400 bps from a year ago.
  • Funding: loans stand at 73.52% of shares as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-41.27%-4,041 bps YoY

Net Interest Margin (YTD, annualized)

7.49%+83 bps YoY

Efficiency Ratio (YTD, annualized)

193.26%+8,447 bps YoY

Net Worth / Assets

19.75%-1,400 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-0.86%-98.80%-57.42%-41.38%-41.27%-4,041 bps
Return on Equity-2.55%-493%-340%-248%-209%-20,641 bps
Net Interest Margin6.66%9.32%7.24%6.63%7.49%+83 bps
Efficiency Ratio108.79%101.83%190.78%186.84%193.26%+8,447 bps
Growth
Asset Growth (YoY)-19.12%-35.61%-35.58%-35.85%-44.69%-2,557 bps
Loan Growth (YoY)-37.34%-45.75%-46.26%-42.71%-35.95%+140 bps
Share Growth (YoY)-25.26%-25.92%-21.98%-20.09%-32.79%-752 bps
Asset Quality
Delinquent Loans / Loans65.02%68.11%77.84%83.11%100.00%+3,498 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.31%30.55%33.45%35.34%37.74%+3,742 bps
Capital
Risk-Based Capital33.75%20.05%16.89%16.67%19.75%-1,400 bps
Net Worth / Assets33.75%20.05%16.89%16.67%19.75%-1,400 bps
Liquidity & Funding
Loans / Shares77.15%67.05%60.03%59.33%73.52%-362 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps