Albany, GA · Charter 9101
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Albany, GA · Charter 9101
Q1 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.00% | -0.72% | -0.59% | -1.07% | -2.01% | +198 bps | |
| Return on Equity | -16.15% | -2.89% | -2.41% | -4.66% | -9.04% | +711 bps | |
| Net Interest Margin | 3.85% | 4.20% | 4.18% | 3.93% | 3.50% | -35 bps | |
| Efficiency Ratio | 120.76% | 110.31% | 95.27% | 130.17% | 159.33% | +3,857 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.77% | -3.33% | -2.43% | 2.66% | 7.99% | +1,676 bps | |
| Loan Growth (YoY) | -17.18% | -16.84% | -12.42% | -4.48% | -7.44% | +974 bps | |
| Share Growth (YoY) | -7.93% | -4.39% | -2.14% | 5.90% | 11.94% | +1,987 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.62% | 9.29% | 7.95% | 6.71% | 6.90% | -172 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.47% | 1.55% | 1.38% | 0.77% | 0.77% | -70 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.74% | 24.76% | 24.35% | 23.02% | 22.27% | -247 bps | |
| Net Worth / Assets | 24.74% | 24.76% | 24.35% | 23.02% | 22.27% | -247 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.04% | 78.23% | 75.88% | 72.19% | 69.49% | -1,455 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |