PackageTrendsPeer
Letter portraitLegal landscape

First Calvary Baptist Church

Norfolk, VA · Charter 5332

Q1 2007

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 2007, the quarter ended March 31, 2007, 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 Calvary Baptist Church

Norfolk, VA · Charter 5332

Q1 2007

$109KAssets
$52KLoans
$104KShares
$5KNet 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 -0.21%, down 547 bps year over year; NIM at 7.69%.
  • Asset quality: problem loans at 0.01% of loans (-1,857 bps YoY).
  • Capital: net worth / assets of 4.75%, down 572 bps from a year ago.
  • Funding: loans stand at 49.61% of shares as of Q1 2007.

Financial Results

Return on Assets (YTD, annualized)

-0.21%-547 bps YoY

Net Interest Margin (YTD, annualized)

7.69%+316 bps YoY

Efficiency Ratio (YTD, annualized)

102.53%+6,006 bps YoY

Net Worth / Assets

4.75%-572 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets5.26%-5.10%-6.40%-6.23%-0.21%-547 bps
Return on Equity50.21%-86.62%-175.54%-139.45%-4.49%-5,470 bps
Net Interest Margin4.53%6.84%6.56%7.84%7.69%+316 bps
Efficiency Ratio42.48%172.13%193.46%175.85%102.53%+6,006 bps
Growth
Asset Growth (YoY)-11.90%-11.42%-5.75%-26.78%-31.41%-1,951 bps
Loan Growth (YoY)14.20%3.89%7.18%4.91%-30.19%-4,439 bps
Share Growth (YoY)-10.95%-11.76%-2.88%-23.99%-28.81%-1,786 bps
Asset Quality
Delinquent Loans / Loans18.58%8.10%24.75%32.08%0.01%-1,857 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans10.45%11.65%11.50%12.37%11.11%+66 bps
Capital
Risk-Based Capital10.47%5.89%3.65%4.47%4.75%-572 bps
Net Worth / Assets10.47%5.89%3.65%4.47%4.75%-572 bps
Liquidity & Funding
Loans / Shares50.59%47.49%48.31%55.74%49.61%-98 bps
Liquid Assets / Assets52.16%0.00%0.00%0.00%0.00%-5,216 bps