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Bagumbayan

Chicago, IL · Charter 66200

Q4 2013

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 2013, the quarter ended December 31, 2013, 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

Bagumbayan

Chicago, IL · Charter 66200

Q4 2013

$52KAssets
$0KLoans
$44KShares
$1KNet 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 -20.51%, down 1,034 bps year over year; NIM at 1.02%.
  • Asset quality: problem loans at 0.00% of loans (-3,496 bps YoY).
  • Capital: net worth / assets of 2.56%, down 1,007 bps from a year ago.
  • Funding: loans stand at 0.06% of shares as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

-20.51%-1,034 bps YoY

Net Interest Margin (YTD, annualized)

1.02%-3 bps YoY

Efficiency Ratio (YTD, annualized)

811%-2,024 bps YoY

Net Worth / Assets

2.56%-1,007 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-10.17%-6.48%-9.25%-19.99%-20.51%-1,034 bps
Return on Equity-80.47%-63.16%-107.79%-287%-801%-72,005 bps
Net Interest Margin1.05%0.11%1.27%1.20%1.02%-3 bps
Efficiency Ratio831%6259%813%1666%811%-2,024 bps
Growth
Asset Growth (YoY)121.55%141.03%-15.48%-32.64%-33.71%-15,526 bps
Loan Growth (YoY)-79.07%-83.32%-87.46%-86.14%-98.86%-1,979 bps
Share Growth (YoY)292%272%-17.62%-38.16%-36.36%-32,807 bps
Asset Quality
Delinquent Loans / Loans34.96%24.62%16.86%0.00%0.00%-3,496 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans152.54%228%323%104.64%100.00%-5,254 bps
Capital
Risk-Based Capital12.64%10.26%8.58%6.97%2.56%-1,007 bps
Net Worth / Assets12.64%10.26%8.58%6.97%2.56%-1,007 bps
Liquidity & Funding
Loans / Shares3.30%2.34%1.61%1.66%0.06%-324 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps