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P G Columbian

College Park, MD · Charter 14511

Q1 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: Q1 2009, the quarter ended March 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

P G Columbian

College Park, MD · Charter 14511

Q1 2009

$15.8MAssets
$7.4MLoans
$13.6MShares
$2.2MNet 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 -3.32%, down 375 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.69% of loans (+45 bps YoY).
  • Capital: net worth / assets of 13.64%, down 111 bps from a year ago.
  • Funding: loans stand at 54.63% of shares as of Q1 2009.

Financial Results

Return on Assets (YTD, annualized)

-3.32%-375 bps YoY

Net Interest Margin (YTD, annualized)

2.96%-52 bps YoY

Efficiency Ratio (YTD, annualized)

92.95%+493 bps YoY

Net Worth / Assets

13.64%-111 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets0.43%0.24%0.23%0.11%-3.32%-375 bps
Return on Equity2.90%1.67%1.54%0.78%-24.32%-2,722 bps
Net Interest Margin3.49%3.24%3.26%3.14%2.96%-52 bps
Efficiency Ratio88.03%91.53%92.15%94.73%92.95%+493 bps
Growth
Asset Growth (YoY)-2.03%-0.22%-3.23%-2.72%1.97%+400 bps
Loan Growth (YoY)-0.68%-6.89%-14.06%-5.61%-7.03%-635 bps
Share Growth (YoY)-3.01%-0.74%-4.15%-2.96%2.96%+597 bps
Asset Quality
Delinquent Loans / Loans0.24%0.22%0.56%1.21%0.69%+45 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.08%0.07%0.07%0.11%0.15%+7 bps
Capital
Risk-Based Capital14.75%14.54%15.09%14.67%13.64%-111 bps
Net Worth / Assets14.75%14.54%15.09%14.67%13.64%-111 bps
Liquidity & Funding
Loans / Shares60.50%59.24%59.53%58.95%54.63%-587 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps