Anniston, AL · Charter 21023
Q4 2007
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 1.36% | 1.14% | 1.18% | 0.89% | -2 bps | |
| Return on Equity | 5.32% | 8.12% | 6.54% | 6.54% | 4.91% | -42 bps | |
| Net Interest Margin | 2.99% | 2.98% | 3.10% | 3.26% | 2.44% | -54 bps | |
| Efficiency Ratio | 73.52% | 60.80% | 67.62% | 67.58% | 67.58% | -594 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.11% | 3.85% | 2.68% | -2.14% | -1.36% | -447 bps | |
| Loan Growth (YoY) | 3.53% | 3.63% | 6.16% | 8.22% | 6.84% | +331 bps | |
| Share Growth (YoY) | 2.05% | 3.10% | 1.62% | -4.15% | -2.71% | -476 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.03% | 0.74% | 3.33% | 4.32% | 4.32% | +229 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.27% | 0.32% | 0.32% | 0.32% | 0.32% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.97% | 16.77% | 17.43% | 18.10% | 18.10% | +112 bps | |
| Net Worth / Assets | 16.97% | 16.77% | 17.43% | 18.10% | 18.10% | +112 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.88% | 41.57% | 43.82% | 47.09% | 47.09% | +421 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |