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Birmingham Post Office

Birmingham, AL · Charter 64162

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

Birmingham Post Office

Birmingham, AL · Charter 64162

Q4 2012

$19.0MAssets
$9.6MLoans
$15.6MShares
$3.3MNet 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 -0.03%, up 10 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.07% of loans (-15 bps YoY).
  • Capital: net worth / assets of 17.52%, up 129 bps from a year ago.
  • Funding: loans stand at 61.54% of shares as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.03%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+14 bps YoY

Efficiency Ratio (YTD, annualized)

100.49%+335 bps YoY

Net Worth / Assets

17.52%+129 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-0.13%0.02%0.02%0.04%-0.03%+10 bps
Return on Equity-0.79%0.10%0.09%0.24%-0.15%+64 bps
Net Interest Margin3.42%3.23%3.34%3.39%3.56%+14 bps
Efficiency Ratio97.13%99.68%99.71%99.25%100.49%+335 bps
Growth
Asset Growth (YoY)-5.89%-2.06%-4.17%-4.68%-7.49%-159 bps
Loan Growth (YoY)-13.69%-9.92%-9.58%-13.19%-13.17%+52 bps
Share Growth (YoY)-6.37%-2.50%-5.02%-5.86%-9.26%-289 bps
Asset Quality
Delinquent Loans / Loans0.22%0.09%0.15%0.27%0.07%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.69%0.61%0.72%0.66%0.67%-3 bps
Capital
Risk-Based Capital16.23%16.22%16.55%16.76%17.52%+129 bps
Net Worth / Assets16.23%16.22%16.55%16.76%17.52%+129 bps
Liquidity & Funding
Loans / Shares64.31%62.48%62.09%59.91%61.54%-277 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps