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B.A.E.

Barrington, IL · Charter 60433

Q1 2014

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 2014, the quarter ended March 31, 2014, 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.A.E.

Barrington, IL · Charter 60433

Q1 2014

$39.7MAssets
$6.4MLoans
$36.1MShares
$3.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.28%, down 7 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.74% of loans (-27 bps YoY).
  • Capital: net worth / assets of 8.90%, down 8 bps from a year ago.
  • Funding: loans stand at 17.74% of shares as of Q1 2014.

Return on Assets (YTD, annualized)

0.28%-7 bps YoY

Net Interest Margin (YTD, annualized)

2.74%+53 bps YoY

Efficiency Ratio (YTD, annualized)

90.20%+1,550 bps YoY

Net Worth / Assets

8.90%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets0.57%0.44%0.46%0.35%0.16%0.11%0.04%0.28%-7 bps
Return on Equity6.34%4.88%5.10%3.91%1.81%1.25%0.42%3.18%-73 bps
Net Interest Margin2.39%2.38%2.35%2.21%2.18%2.30%2.28%2.74%+53 bps
Efficiency Ratio76.11%80.30%78.91%74.70%84.58%84.89%81.63%90.20%+1,550 bps
Growth
Asset Growth (YoY)7.34%7.72%5.24%2.33%4.86%1.19%0.98%1.17%-116 bps
Loan Growth (YoY)-1.16%-0.61%-7.00%-8.04%-9.65%-12.84%-9.71%-8.37%-33 bps
Share Growth (YoY)7.69%7.10%4.62%1.54%7.47%3.32%3.37%4.01%+247 bps
Asset Quality
Delinquent Loans / Loans1.28%1.21%0.59%1.01%0.67%0.91%1.96%0.74%-27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.88%0.94%1.03%0.95%0.75%0.99%2.05%0.82%-13 bps
Capital
Risk-Based Capital9.00%9.02%9.06%8.99%8.84%9.14%9.01%8.90%-8 bps
Net Worth / Assets9.00%9.02%9.06%8.99%8.84%9.14%9.01%8.90%-8 bps
Liquidity & Funding
Loans / Shares22.20%22.66%21.55%20.13%18.67%19.12%18.83%17.74%-240 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps