Birmingham, AL · Charter 63334
Q3 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.50% | 1.22% | 0.56% | -0.24% | -6.68% | -818 bps | |
| Return on Equity | 7.25% | 5.81% | 2.71% | -1.21% | -31.31% | -3,857 bps | |
| Net Interest Margin | 4.49% | 4.20% | 3.19% | 3.05% | 3.63% | -86 bps | |
| Efficiency Ratio | 67.53% | 71.88% | 83.14% | 89.08% | 97.03% | +2,950 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.54% | 3.10% | 1.80% | 2.56% | -2.82% | -736 bps | |
| Loan Growth (YoY) | -8.25% | -9.27% | -8.70% | -22.53% | -31.69% | -2,344 bps | |
| Share Growth (YoY) | 4.75% | 2.34% | 1.13% | 2.42% | 1.65% | -310 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.81% | 14.64% | 16.45% | 20.30% | 16.84% | +803 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.92% | 2.09% | 1.36% | 0.76% | 14.06% | +1,214 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.66% | 20.93% | 20.49% | 20.21% | 21.34% | +68 bps | |
| Net Worth / Assets | 20.66% | 20.93% | 20.49% | 20.21% | 21.34% | +68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.55% | 60.53% | 55.37% | 48.86% | 43.38% | -2,117 bps | |
| Liquid Assets / Assets | 47.14% | 50.61% | 53.23% | 57.71% | 65.39% | +1,825 bps | |