Birmingham, AL · Charter 18417
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.
Birmingham, AL · Charter 18417
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 | -5.69% | -5.62% | -4.87% | -4.61% | -2.83% | +286 bps | |
| Return on Equity | -66.66% | -76.39% | -72.32% | -69.73% | -42.97% | +2,369 bps | |
| Net Interest Margin | 4.16% | 4.15% | 4.23% | 4.61% | 4.21% | +5 bps | |
| Efficiency Ratio | 96.46% | 90.53% | 81.56% | 65.41% | 67.38% | -2,908 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.51% | -2.74% | -3.58% | -8.42% | -19.58% | -2,109 bps | |
| Loan Growth (YoY) | -7.05% | -12.81% | -16.90% | -23.11% | -24.92% | -1,787 bps | |
| Share Growth (YoY) | 3.61% | 1.48% | 0.42% | -3.69% | -17.80% | -2,141 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.05% | 6.61% | 6.00% | 4.63% | 5.32% | -173 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.99% | 4.23% | 4.59% | 5.31% | 5.59% | +360 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.54% | 7.36% | 6.74% | 6.61% | 6.59% | -195 bps | |
| Net Worth / Assets | 8.54% | 7.36% | 6.74% | 6.61% | 6.59% | -195 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.71% | 84.30% | 80.36% | 80.81% | 82.86% | -785 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |