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B. F. Goodrich Employees

Tuscaloosa, AL · Charter 7476

Q4 2008

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 2008, the quarter ended December 31, 2008, 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

B. F. Goodrich Employees

Tuscaloosa, AL · Charter 7476

Q4 2008

$480.2MAssets
$280.8MLoans
$423.7MShares
$54.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.86%, down 14 bps year over year; NIM at 2.25%.
  • Asset quality: problem loans at 0.94% of loans (+2 bps YoY).
  • Capital: net worth / assets of 11.35%, down 42 bps from a year ago.
  • Funding: loans stand at 66.28% of shares as of Q4 2008.

Return on Assets (YTD, annualized)

0.86%-14 bps YoY

Net Interest Margin (YTD, annualized)

2.25%-43 bps YoY

Efficiency Ratio (YTD, annualized)

71.72%+476 bps YoY

Net Worth / Assets

11.35%-42 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets0.91%1.00%1.00%1.00%0.75%0.68%0.83%0.86%-14 bps
Return on Equity7.40%8.15%8.35%8.50%6.80%6.30%7.36%7.55%-95 bps
Net Interest Margin2.96%2.89%2.77%2.68%2.18%2.10%2.22%2.25%-43 bps
Efficiency Ratio70.15%68.17%67.53%66.96%72.73%74.42%72.35%71.72%+476 bps
Growth
Asset Growth (YoY)9.29%12.33%16.36%18.86%22.81%22.11%15.22%12.17%-669 bps
Loan Growth (YoY)12.91%5.03%4.20%2.92%2.17%4.69%12.66%16.03%+1,311 bps
Share Growth (YoY)8.29%11.95%16.73%21.02%24.70%24.17%16.53%12.51%-851 bps
Asset Quality
Delinquent Loans / Loans0.78%1.00%0.77%0.93%0.94%1.03%1.19%0.94%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.74%0.82%0.87%0.95%0.97%0.92%0.75%0.67%-28 bps
Capital
Risk-Based Capital12.33%12.24%11.97%11.77%10.96%10.85%11.26%11.35%-42 bps
Net Worth / Assets12.33%12.24%11.97%11.77%10.96%10.85%11.26%11.35%-42 bps
Liquidity & Funding
Loans / Shares71.93%69.60%67.72%64.26%58.94%58.68%65.47%66.28%+201 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps