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America's First

Birmingham, AL · Charter 60486

Q3 1994

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: Q3 1994, the quarter ended September 30, 1994, 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

America's First

Birmingham, AL · Charter 60486

Q3 1994

$284.4MAssets
$172.6MLoans
$257.4MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.34%.
  • Asset quality: problem loans at 0.97% of loans.
  • Funding: loans stand at 67.05% of shares as of Q3 1994.

Return on Assets (YTD, annualized)

4.34%

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1994Q2 1994Q3 1994YoY ΔTrend
Earnings
Return on Assets4.27%4.32%4.34%n/a
Return on Equityn/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a
Efficiency Ration/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans1.28%1.07%0.97%n/a
Net Charge-Offs / Loansn/an/an/an/an/a
Allowance / Loans1.57%1.39%1.29%n/a
Capital
Risk-Based Capitaln/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/a
Liquidity & Funding
Loans / Shares59.40%62.33%67.05%n/a
Liquid Assets / Assets11.33%6.82%7.07%n/a