Gadsen, AL · Charter 24494
Q3 2010
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Gadsen, AL · Charter 24494
Q3 2010
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.14% | 0.88% | -8.43% | 5.54% | -11.40% | -1,154 bps | |
| Return on Equity | 1.51% | 8.43% | -388% | 156.49% | -633% | -63,463 bps | |
| Net Interest Margin | 1.76% | 5.88% | 5.71% | 7.00% | 6.85% | +509 bps | |
| Efficiency Ratio | 33.30% | 61.81% | 67.68% | 21.00% | 20.15% | -1,315 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.95% | -8.88% | -14.24% | -13.07% | -17.80% | -1,585 bps | |
| Loan Growth (YoY) | 3.77% | -1.55% | -10.05% | -20.71% | -35.36% | -3,913 bps | |
| Share Growth (YoY) | -1.64% | -9.84% | -8.80% | -7.50% | -9.76% | -812 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.99% | 11.69% | 33.32% | 32.20% | 27.95% | +1,796 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.56% | 3.66% | 16.44% | 9.95% | 15.83% | +1,228 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.45% | 10.44% | 2.17% | 3.54% | 1.80% | -765 bps | |
| Net Worth / Assets | 9.45% | 10.44% | 2.17% | 3.54% | 1.80% | -765 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.16% | 81.40% | 75.86% | 70.93% | 55.99% | -2,218 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |