Bessemer, AL · Charter 16523
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Bessemer, AL · Charter 16523
Q1 2010
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -25.58% | -12.25% | -17.82% | -24.26% | -15.37% | +1,021 bps | |
| Return on Equity | -207% | -97.42% | -239% | n/a | n/a | n/a | |
| Net Interest Margin | 5.09% | 5.61% | 6.40% | 7.18% | 8.88% | +379 bps | |
| Efficiency Ratio | 102.12% | 112.90% | 114.08% | 117.76% | 270% | +16,768 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.98% | -6.74% | -12.31% | -17.21% | -22.18% | -2,019 bps | |
| Loan Growth (YoY) | -12.43% | -15.25% | -9.69% | 6.15% | -18.92% | -649 bps | |
| Share Growth (YoY) | 4.36% | -0.69% | 0.70% | 2.62% | -5.11% | -948 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.90% | 11.47% | 11.19% | 7.87% | 20.93% | +1,004 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.94% | 4.38% | 11.11% | 15.63% | 17.42% | +1,348 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.39% | 12.57% | 7.46% | -1.67% | -5.63% | -1,801 bps | |
| Net Worth / Assets | 12.39% | 12.57% | 7.46% | -1.67% | -5.63% | -1,801 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.66% | 86.20% | 90.54% | 83.59% | 78.32% | -1,334 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |