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Amez United

Detroit, MI · Charter 63223

Q4 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: Q4 2012, the quarter ended December 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

Amez United

Detroit, MI · Charter 63223

Q4 2012

$169KAssets
$51KLoans
$128KShares
$27KNet 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 0.68%, up 42 bps year over year; NIM at 2.58%.
  • Asset quality: problem loans at 15.72% of loans (-1,969 bps YoY).
  • Capital: net worth / assets of 15.87%, down 293 bps from a year ago.
  • Funding: loans stand at 40.18% of shares as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

0.68%+42 bps YoY

Net Interest Margin (YTD, annualized)

2.58%+21 bps YoY

Efficiency Ratio (YTD, annualized)

208%+6,390 bps YoY

Net Worth / Assets

15.87%-293 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.26%2.05%3.17%-1.94%0.68%+42 bps
Return on Equity1.41%8.32%11.99%-7.23%4.30%+290 bps
Net Interest Margin2.37%2.37%2.55%2.95%2.58%+21 bps
Efficiency Ratio143.85%214%155.93%326%208%+6,390 bps
Growth
Asset Growth (YoY)-25.70%-32.69%-29.15%-35.38%-31.64%-594 bps
Loan Growth (YoY)-33.63%-21.77%2.27%19.73%22.73%+5,636 bps
Share Growth (YoY)-22.57%-39.72%-37.52%-42.17%-36.07%-1,350 bps
Asset Quality
Delinquent Loans / Loans35.42%25.78%18.62%17.41%15.72%-1,969 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans36.83%31.62%24.78%17.69%33.83%-300 bps
Capital
Risk-Based Capital18.80%24.63%26.48%26.78%15.87%-293 bps
Net Worth / Assets18.80%24.63%26.48%26.78%15.87%-293 bps
Liquidity & Funding
Loans / Shares20.93%28.42%36.56%43.61%40.18%+1,925 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps