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East Central

Louisville, MS · Charter 23563

Q3 2010

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 2010, the quarter ended September 30, 2010, 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

East Central

Louisville, MS · Charter 23563

Q3 2010

$2.9MAssets
$1.5MLoans
$2.7MShares
$157KNet 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 -13.32%, down 652 bps year over year; NIM at 6.55%.
  • Asset quality: problem loans at 8.59% of loans (-1,955 bps YoY).
  • Capital: net worth / assets of 5.43%, down 1,232 bps from a year ago.
  • Funding: loans stand at 54.55% of shares as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-13.32%-652 bps YoY

Net Interest Margin (YTD, annualized)

6.55%-34 bps YoY

Efficiency Ratio (YTD, annualized)

147.82%+4,856 bps YoY

Net Worth / Assets

5.43%-1,232 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-6.80%-10.61%-11.12%-10.16%-13.32%-652 bps
Return on Equity-38.29%-73.03%-84.07%-101.23%-245%-20,696 bps
Net Interest Margin6.89%7.16%7.63%5.79%6.55%-34 bps
Efficiency Ratio99.26%97.30%100.34%126.15%147.82%+4,856 bps
Growth
Asset Growth (YoY)-13.15%-12.17%-11.47%-10.84%-25.50%-1,235 bps
Loan Growth (YoY)-29.09%-29.57%-33.73%-35.39%-45.42%-1,633 bps
Share Growth (YoY)-7.72%-5.98%-2.49%-3.00%-14.30%-657 bps
Asset Quality
Delinquent Loans / Loans28.14%28.19%28.51%26.12%8.59%-1,955 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.94%7.56%8.99%10.88%8.43%+349 bps
Capital
Risk-Based Capital17.75%14.53%13.23%10.04%5.43%-1,232 bps
Net Worth / Assets17.75%14.53%13.23%10.04%5.43%-1,232 bps
Liquidity & Funding
Loans / Shares85.66%79.96%75.14%59.61%54.55%-3,111 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps