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First A.M.E. Zion

Columbus, OH · Charter 63522

Q3 2004

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 2004, the quarter ended September 30, 2004, 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 A.M.E. Zion

Columbus, OH · Charter 63522

Q3 2004

$119KAssets
$44KLoans
$103KShares
$14KNet 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 0.47%, up 27 bps year over year; NIM at 2.66%.
  • Asset quality: problem loans at 7.30% of loans (-2,219 bps YoY).
  • Capital: net worth / assets of 11.69%, up 24 bps from a year ago.
  • Funding: loans stand at 42.22% of shares as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

0.47%+27 bps YoY

Net Interest Margin (YTD, annualized)

2.66%+66 bps YoY

Efficiency Ratio (YTD, annualized)

85.49%-656 bps YoY

Net Worth / Assets

11.69%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets0.20%-0.08%-0.63%-0.13%0.47%+27 bps
Return on Equity1.79%-0.75%-6.44%-1.25%4.06%+227 bps
Net Interest Margin1.99%1.78%1.31%1.81%2.66%+66 bps
Efficiency Ratio92.05%103.41%133.54%105.50%85.49%-656 bps
Growth
Asset Growth (YoY)-17.01%-10.47%-5.23%-2.13%-2.98%+1,403 bps
Loan Growth (YoY)-14.62%-23.94%59.17%103.31%204%+21,816 bps
Share Growth (YoY)-19.45%-12.07%-5.76%-1.71%-3.13%+1,633 bps
Asset Quality
Delinquent Loans / Loans29.49%34.78%19.21%12.64%7.30%-2,219 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans64.24%74.26%45.62%32.76%22.81%-4,144 bps
Capital
Risk-Based Capital11.45%11.02%9.77%10.32%11.69%+24 bps
Net Worth / Assets11.45%11.02%9.77%10.32%11.69%+24 bps
Liquidity & Funding
Loans / Shares13.47%11.38%17.42%26.46%42.22%+2,874 bps
Liquid Assets / Assets92.80%94.93%88.99%81.88%68.56%-2,425 bps