PackageTrendsPeer
Letter portraitLegal landscape

Bluefield Municipal Employees

Bluefield, WV · Charter 20140

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 2026-10-11

Bluefield Municipal Employees

Bluefield, WV · Charter 20140

Q4 2011

$515KAssets
$290KLoans
$443KShares
$72KNet Worth

Executive Summary

  • Earnings: ROA of -2.36%, down 262 bps year over year; NIM at 5.67%.
  • Asset quality: problem loans at 0.37% of loans (-159 bps YoY).
  • Capital: net worth / assets of 13.90%, up 45 bps from a year ago.
  • Funding: loans stand at 65.54% of shares as of Q4 2011.

Return on Assets (YTD, annualized)

-2.36%-262 bps YoY

Net Interest Margin (YTD, annualized)

5.67%-64 bps YoY

Efficiency Ratio (YTD, annualized)

139.57%+4,552 bps YoY

Net Worth / Assets

13.90%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q3 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets0.47%0.03%1.50%0.25%-0.73%-1.36%-1.58%-2.36%-262 bps
Return on Equity3.32%0.16%10.28%1.89%-4.98%-9.89%-12.45%-17.00%-1,889 bps
Net Interest Margin6.72%7.88%7.29%6.31%5.66%5.15%4.96%5.67%-64 bps
Efficiency Ratio91.83%98.09%80.62%94.05%112.35%124.94%130.27%139.57%+4,552 bps
Growth
Asset Growth (YoY)2.91%4.21%7.17%13.12%-7.19%10.18%3.65%-17.78%-3,090 bps
Loan Growth (YoY)-2.66%-2.70%-5.27%-17.80%-33.06%-29.87%-24.53%-18.44%-64 bps
Share Growth (YoY)2.83%5.04%7.55%15.78%-7.61%12.97%6.29%-18.00%-3,377 bps
Asset Quality
Delinquent Loans / Loans0.27%1.31%0.31%1.96%0.00%0.00%0.27%0.37%-159 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.25%0.25%0.49%0.34%0.41%0.39%0.39%0.40%+6 bps
Capital
Risk-Based Capital14.14%15.85%14.64%13.45%14.71%13.71%12.68%13.90%+45 bps
Net Worth / Assets14.14%15.85%14.64%13.45%14.71%13.71%12.68%13.90%+45 bps
Liquidity & Funding
Loans / Shares85.40%99.72%80.13%65.89%61.87%61.91%56.89%65.54%-35 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps