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Crestmont Baptist

Willow Grove, PA · Charter 19550

Q4 2011

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 2011, the quarter ended December 31, 2011, 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 2026-10-10

Crestmont Baptist

Willow Grove, PA · Charter 19550

Q4 2011

$91KAssets
$21KLoans
$73KShares
$17KNet 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 -5.76%, down 511 bps year over year; NIM at 0.91%.
  • Asset quality: problem loans at 6.26% of loans (-1,660 bps YoY).
  • Capital: net worth / assets of 19.19%, down 793 bps from a year ago.
  • Funding: loans stand at 28.87% of shares as of Q4 2011.

Financial Results

Return on Assets (YTD, annualized)

-5.76%-511 bps YoY

Net Interest Margin (YTD, annualized)

0.91%-224 bps YoY

Efficiency Ratio (YTD, annualized)

450%+33,860 bps YoY

Net Worth / Assets

19.19%-793 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets-0.65%-0.73%-9.99%-7.57%-5.76%-511 bps
Return on Equity-2.38%-3.19%-54.07%-41.56%-30.00%-2,762 bps
Net Interest Margin3.16%1.80%-6.26%-3.96%0.91%-224 bps
Efficiency Ratio111.22%140.27%n/an/a450%+33,860 bps
Growth
Asset Growth (YoY)-9.59%-3.00%-13.82%-9.40%-10.74%-115 bps
Loan Growth (YoY)-23.94%-38.13%-34.69%-42.98%-44.82%-2,088 bps
Share Growth (YoY)-11.36%4.30%-6.33%1.40%-1.65%+972 bps
Asset Quality
Delinquent Loans / Loans22.86%25.47%35.08%38.85%6.26%-1,660 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans15.84%25.15%26.34%28.91%12.13%-371 bps
Capital
Risk-Based Capital27.12%22.74%18.48%18.22%19.19%-793 bps
Net Worth / Assets27.12%22.74%18.48%18.22%19.19%-793 bps
Liquidity & Funding
Loans / Shares51.46%33.81%31.37%29.00%28.87%-2,259 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps