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Queen Street Baptist Church

Hampton, VA · Charter 19369

Q2 2012

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: Q2 2012, the quarter ended June 30, 2012, 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

Queen Street Baptist Church

Hampton, VA · Charter 19369

Q2 2012

$72KAssets
$26KLoans
$59KShares
$13KNet 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 -2.32%, down 210 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 17.74%, up 155 bps from a year ago.
  • Funding: loans stand at 44.53% of shares as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

-2.32%-210 bps YoY

Net Interest Margin (YTD, annualized)

4.00%-107 bps YoY

Efficiency Ratio (YTD, annualized)

147.45%+4,336 bps YoY

Net Worth / Assets

17.74%+155 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-0.22%-0.44%-1.95%-2.77%-2.32%-210 bps
Return on Equity-1.35%-2.41%-10.13%-15.11%-13.06%-1,171 bps
Net Interest Margin5.07%5.39%5.86%3.98%4.00%-107 bps
Efficiency Ratio104.08%107.67%131.61%167.62%147.45%+4,336 bps
Growth
Asset Growth (YoY)-14.41%-25.32%-30.16%-20.59%-21.02%-661 bps
Loan Growth (YoY)-18.39%-22.50%-15.99%-56.83%-45.57%-2,717 bps
Share Growth (YoY)-14.17%-27.03%-32.28%-22.27%-22.37%-820 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 / Loans8.96%10.78%11.71%14.67%18.04%+909 bps
Capital
Risk-Based Capital16.20%18.11%19.28%18.30%17.74%+155 bps
Net Worth / Assets16.20%18.11%19.28%18.30%17.74%+155 bps
Liquidity & Funding
Loans / Shares63.51%63.23%68.88%54.44%44.53%-1,898 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps