Birmingham, AL · Charter 24684
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 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.
Birmingham, AL · Charter 24684
Q1 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.48% | 0.05% | 0.36% | -0.58% | -9.34% | -686 bps | |
| Return on Equity | -47.42% | 0.79% | 6.14% | -13.25% | -446% | -39,831 bps | |
| Net Interest Margin | 0.60% | 1.34% | 1.72% | 1.60% | 2.08% | +149 bps | |
| Efficiency Ratio | 79.10% | 68.06% | 57.60% | 94.55% | 302% | +22,293 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.92% | -28.64% | 8.89% | 24.94% | 13.33% | +942 bps | |
| Loan Growth (YoY) | -4.48% | 67.63% | 84.96% | 85.03% | 43.02% | +4,749 bps | |
| Share Growth (YoY) | 6.05% | -29.52% | 4.70% | 26.75% | 18.57% | +1,252 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.37% | 3.27% | 2.72% | 3.39% | 6.01% | +264 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.50% | 1.33% | 2.04% | 1.56% | 1.82% | -68 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.23% | 6.60% | 5.81% | 4.37% | 2.10% | -313 bps | |
| Net Worth / Assets | 5.23% | 6.60% | 5.81% | 4.37% | 2.10% | -313 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.21% | 68.28% | 57.25% | 49.03% | 47.29% | +808 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |