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B V M Parish

Ellwood City, PA · Charter 469

Q1 2012

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 2012, the quarter ended March 31, 2012, 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

B V M Parish

Ellwood City, PA · Charter 469

Q1 2012

$602KAssets
$71KLoans
$445KShares
$148KNet 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 -2.31%, down 129 bps year over year; NIM at 1.79%.
  • Asset quality: problem loans at 24.32% of loans (+1,296 bps YoY).
  • Capital: net worth / assets of 24.66%, down 81 bps from a year ago.
  • Funding: loans stand at 15.89% of shares as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

-2.31%-129 bps YoY

Net Interest Margin (YTD, annualized)

1.79%-85 bps YoY

Efficiency Ratio (YTD, annualized)

228%+9,046 bps YoY

Net Worth / Assets

24.66%-81 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets-1.02%-0.73%-1.61%-1.55%-2.31%-129 bps
Return on Equity-3.99%-2.88%-6.48%-6.46%-9.35%-537 bps
Net Interest Margin2.65%2.60%2.43%2.22%1.79%-85 bps
Efficiency Ratio137.39%127.70%165.80%169.25%228%+9,046 bps
Growth
Asset Growth (YoY)-12.95%1.46%6.90%-2.61%-4.27%+868 bps
Loan Growth (YoY)-12.79%-6.25%-17.65%-16.65%-19.09%-629 bps
Share Growth (YoY)-14.11%-15.26%-10.03%-2.04%-4.73%+938 bps
Asset Quality
Delinquent Loans / Loans11.36%10.84%14.32%24.05%24.32%+1,296 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.88%9.36%10.26%10.25%11.21%+633 bps
Capital
Risk-Based Capital25.46%25.36%24.91%24.03%24.66%-81 bps
Net Worth / Assets25.46%25.36%24.91%24.03%24.66%-81 bps
Liquidity & Funding
Loans / Shares18.71%18.18%16.81%16.39%15.89%-282 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps