PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St. Agnes Hospital

Fresno, CA · Charter 17419

Q1 2012

$4.7MAssets
$1.8MLoans
$4.3MShares
$367KNet 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 -0.24%, down 24 bps year over year; NIM at 2.08%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 7.81%, down 38 bps from a year ago.
  • Funding: loans stand at 42.24% of shares as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.24%-24 bps YoY

Net Interest Margin (YTD, annualized)

2.08%-35 bps YoY

Efficiency Ratio (YTD, annualized)

111.35%+1,137 bps YoY

Net Worth / Assets

7.81%-38 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets0.00%-0.13%-0.33%-0.52%-0.24%-24 bps
Return on Equity0.01%-1.64%-4.19%-6.61%-3.03%-303 bps
Net Interest Margin2.43%2.29%2.30%2.27%2.08%-35 bps
Efficiency Ratio99.98%105.57%114.32%122.83%111.35%+1,137 bps
Growth
Asset Growth (YoY)13.79%14.90%8.94%4.96%-2.35%-1,615 bps
Loan Growth (YoY)-14.25%-13.41%-9.14%-13.89%-18.03%-378 bps
Share Growth (YoY)15.48%16.85%10.58%6.26%-1.93%-1,741 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.20%0.21%0.21%0.24%0.25%+5 bps
Capital
Risk-Based Capital8.20%7.83%7.87%7.88%7.81%-38 bps
Net Worth / Assets8.20%7.83%7.87%7.88%7.81%-38 bps
Liquidity & Funding
Loans / Shares50.53%46.98%48.17%44.43%42.24%-830 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps