Birmingham, AL · Charter 64162
Q4 2012
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 3.42% | 3.23% | 3.34% | 3.39% | 3.56% | +14 bps | |
| Efficiency Ratio | 97.13% | 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 / Loans | 0.22% | 0.09% | 0.15% | 0.27% | 0.07% | -15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.69% | 0.61% | 0.72% | 0.66% | 0.67% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.23% | 16.22% | 16.55% | 16.76% | 17.52% | +129 bps | |
| Net Worth / Assets | 16.23% | 16.22% | 16.55% | 16.76% | 17.52% | +129 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.31% | 62.48% | 62.09% | 59.91% | 61.54% | -277 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |