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First Financial Community

Brownsville, TX · Charter 24766

Q1 2009

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: Q1 2009, the quarter ended March 31, 2009, 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

First Financial Community

Brownsville, TX · Charter 24766

Q1 2009

$61.0MAssets
$32.5MLoans
$59.4MShares
$1.5MNet 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 -5.68%, down 630 bps year over year; NIM at 4.60%.
  • Asset quality: problem loans at 10.77% of loans (+779 bps YoY).
  • Capital: net worth / assets of 2.47%, down 1,027 bps from a year ago.
  • Funding: loans stand at 54.70% of shares as of Q1 2009.

Financial Results

Return on Assets (YTD, annualized)

-5.68%-630 bps YoY

Net Interest Margin (YTD, annualized)

4.60%-49 bps YoY

Efficiency Ratio (YTD, annualized)

98.90%+2,495 bps YoY

Net Worth / Assets

2.47%-1,027 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets0.61%-9.75%-11.70%-11.34%-5.68%-630 bps
Return on Equity4.81%-115.55%-201%-279%-230%-23,459 bps
Net Interest Margin5.09%5.18%5.50%5.66%4.60%-49 bps
Efficiency Ratio73.95%73.91%73.57%75.53%98.90%+2,495 bps
Growth
Asset Growth (YoY)-2.51%-6.88%-12.77%-13.64%-14.60%-1,209 bps
Loan Growth (YoY)-8.72%-13.58%-17.29%-14.77%-21.23%-1,251 bps
Share Growth (YoY)-3.03%-2.58%-5.36%-3.66%-4.47%-144 bps
Asset Quality
Delinquent Loans / Loans2.98%5.44%9.07%10.70%10.77%+779 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.80%4.98%11.79%12.63%11.46%+966 bps
Capital
Risk-Based Capital12.74%8.44%5.81%4.07%2.47%-1,027 bps
Net Worth / Assets12.74%8.44%5.81%4.07%2.47%-1,027 bps
Liquidity & Funding
Loans / Shares66.33%63.48%63.56%64.44%54.70%-1,164 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps