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Vine Memorial

Philadelphia, PA · Charter 16147

Q4 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: Q4 2013, the quarter ended December 31, 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

Vine Memorial

Philadelphia, PA · Charter 16147

Q4 2013

$83KAssets
$12KLoans
$73KShares
$8KNet Worth

Executive Summary

  • Earnings: ROA of -3.70%, down 362 bps year over year; NIM at 0.98%.
  • Asset quality: problem loans at 35.02% of loans (+3,502 bps YoY).
  • Capital: net worth / assets of 9.10%, up 42 bps from a year ago.
  • Funding: loans stand at 16.31% of shares as of Q4 2013.

Return on Assets (YTD, annualized)

-3.70%-362 bps YoY

Net Interest Margin (YTD, annualized)

0.98%-64 bps YoY

Efficiency Ratio (YTD, annualized)

478%+37,524 bps YoY

Net Worth / Assets

9.10%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-0.29%-0.59%-0.70%-0.08%-2.41%-1.40%-1.04%-3.70%-362 bps
Return on Equity-3.95%-8.52%-10.31%-0.97%-24.80%-14.15%-10.11%-40.70%-3,973 bps
Net Interest Margin0.25%0.30%0.31%1.61%-0.42%0.56%0.74%0.98%-64 bps
Efficiency Ratio121.83%140.97%146.47%102.75%275%158.60%139.15%478%+37,524 bps
Growth
Asset Growth (YoY)-2.64%-3.56%-2.12%-15.20%-29.77%-31.82%-34.62%-32.19%-1,699 bps
Loan Growth (YoY)261%572%-5.38%148.60%147.43%134.57%128.67%-4.68%-15,328 bps
Share Growth (YoY)1.53%0.09%1.19%-16.10%-30.85%-33.19%-36.36%-33.45%-1,735 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%35.02%+3,502 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans30.64%22.91%24.90%11.42%12.38%9.77%10.89%11.98%+56 bps
Capital
Risk-Based Capital7.24%6.97%6.75%8.68%9.71%9.87%10.24%9.10%+42 bps
Net Worth / Assets7.24%6.97%6.75%8.68%9.71%9.87%10.24%9.10%+42 bps
Liquidity & Funding
Loans / Shares3.48%4.61%4.23%11.39%12.45%16.19%15.19%16.31%+492 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps