Birmingham, AL · Charter 63773
Q3 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 1997, the quarter ended September 30, 1997, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Birmingham, AL · Charter 63773
Q3 1997
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 1996 | Q4 1996 | Q1 1997 | Q2 1997 | Q3 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | n/a | 4.48% | 4.46% | 4.42% | 4.48% | n/a | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 5.35% | 2.44% | 1.73% | 3.21% | 2.38% | -297 bps | |
| Loan Growth (YoY) | 3.36% | 1.28% | -0.45% | -0.97% | -2.41% | -577 bps | |
| Share Growth (YoY) | 4.95% | 1.92% | 1.45% | 2.03% | 1.37% | -358 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.28% | 1.37% | 1.30% | 1.13% | 1.16% | -12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.81% | 0.92% | 0.98% | 1.00% | 1.03% | +22 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.44% | 66.50% | 61.06% | 61.71% | 63.00% | -244 bps | |
| Liquid Assets / Assets | 8.18% | 8.29% | 16.37% | 9.59% | 14.92% | +673 bps | |