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St. Paul's Baptist

Richmond, VA · Charter 21300

Q3 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: Q3 2011, the quarter ended September 30, 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

St. Paul's Baptist

Richmond, VA · Charter 21300

Q3 2011

$282KAssets
$106KLoans
$256KShares
$25KNet 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 -1.12%, down 398 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 35.12% of loans (+2,991 bps YoY).
  • Capital: net worth / assets of 8.81%, down 1,175 bps from a year ago.
  • Funding: loans stand at 41.29% of shares as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-1.12%-398 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+23 bps YoY

Efficiency Ratio (YTD, annualized)

125.16%+7,990 bps YoY

Net Worth / Assets

8.81%-1,175 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets2.85%-3.72%0.10%0.42%-1.12%-398 bps
Return on Equity13.88%-18.26%0.68%5.20%-12.75%-2,663 bps
Net Interest Margin3.46%4.11%3.49%4.07%3.69%+23 bps
Efficiency Ratio45.26%172.07%97.56%91.49%125.16%+7,990 bps
Growth
Asset Growth (YoY)-6.59%-19.13%-11.80%-21.66%-38.30%-3,170 bps
Loan Growth (YoY)-37.51%-41.33%-52.28%-52.39%-51.76%-1,425 bps
Share Growth (YoY)-10.80%-22.87%-6.30%-7.31%-28.71%-1,791 bps
Asset Quality
Delinquent Loans / Loans5.21%10.01%36.78%41.02%35.12%+2,991 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.45%1.73%3.82%4.42%4.72%+327 bps
Capital
Risk-Based Capital20.56%20.35%15.41%8.15%8.81%-1,175 bps
Net Worth / Assets20.56%20.35%15.41%8.15%8.81%-1,175 bps
Liquidity & Funding
Loans / Shares61.02%62.22%41.59%37.77%41.29%-1,973 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps