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St. Mary's County

Hollywood, MD · Charter 19620

Q1 2008

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: Q1 2008, the quarter ended March 31, 2008, 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

St. Mary's County

Hollywood, MD · Charter 19620

Q1 2008

$53KAssets
$25KLoans
$93KShares
$-40KNet 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 -7.77%, down 619 bps year over year; NIM at 30.42%.
  • Asset quality: problem loans at 20.08% of loans (+2,008 bps YoY).
  • Capital: net worth / assets of -75.67%, down 9,811 bps from a year ago.
  • Funding: loans stand at 26.82% of shares as of Q1 2008.

Financial Results

Return on Assets (YTD, annualized)

-7.77%-619 bps YoY

Net Interest Margin (YTD, annualized)

30.42%+1,309 bps YoY

Efficiency Ratio (YTD, annualized)

125.33%+1,666 bps YoY

Net Worth / Assets

-75.67%-9,811 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets-1.58%-44.41%-1.86%-1.94%-7.77%-619 bps
Return on Equity-7.04%-310%-9.39%n/an/an/a
Net Interest Margin17.33%5.47%7.29%7.60%30.42%+1,309 bps
Efficiency Ratio108.68%912%125.33%125.33%125.33%+1,666 bps
Growth
Asset Growth (YoY)4.92%-23.68%-10.68%-34.97%-37.51%-4,243 bps
Loan Growth (YoY)-0.78%7.32%-12.46%-45.88%-48.57%-4,779 bps
Share Growth (YoY)9.30%-13.44%-5.07%49.70%41.54%+3,224 bps
Asset Quality
Delinquent Loans / Loans0.00%68.17%0.00%20.08%20.08%+2,008 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans9.28%2.48%1.70%2.70%2.70%-658 bps
Capital
Risk-Based Capital22.44%14.35%19.83%-75.67%-75.67%-9,811 bps
Net Worth / Assets22.44%14.35%19.83%-75.67%-75.67%-9,811 bps
Liquidity & Funding
Loans / Shares73.82%89.64%66.99%26.82%26.82%-4,699 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps