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Alabama Telco

Birmingham, AL · Charter 97056

Q1 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: Q1 2008, the quarter ended March 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

Alabama Telco

Birmingham, AL · Charter 97056

Q1 2008

$359.7MAssets
$241.9MLoans
$310.4MShares
$47.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.64%, down 7 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.53% of loans (-5 bps YoY).
  • Capital: net worth / assets of 13.08%, up 47 bps from a year ago.
  • Funding: loans stand at 77.92% of shares as of Q1 2008.

Return on Assets (YTD, annualized)

0.64%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+18 bps YoY

Efficiency Ratio (YTD, annualized)

81.06%-154 bps YoY

Net Worth / Assets

13.08%+47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets1.11%1.15%1.13%0.72%0.80%0.78%0.79%0.64%-7 bps
Return on Equity8.97%8.85%8.60%5.68%6.13%5.83%5.78%4.92%-76 bps
Net Interest Margin3.42%3.47%3.40%3.23%3.39%3.39%3.40%3.41%+18 bps
Efficiency Ratio76.44%76.62%76.81%82.59%81.26%82.51%81.98%81.06%-154 bps
Growth
Asset Growth (YoY)0.10%-2.20%0.29%2.80%1.98%3.76%2.55%2.16%-64 bps
Loan Growth (YoY)5.39%4.05%3.80%3.17%4.54%7.13%7.12%8.00%+483 bps
Share Growth (YoY)0.48%-2.97%-1.36%1.32%0.44%2.40%1.78%1.68%+36 bps
Asset Quality
Delinquent Loans / Loans0.59%0.57%0.58%0.57%0.48%0.61%0.61%0.53%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.50%0.45%0.42%0.40%0.39%0.36%0.36%0.38%-2 bps
Capital
Risk-Based Capital12.41%12.94%13.14%12.61%13.12%13.32%13.60%13.08%+47 bps
Net Worth / Assets12.41%12.94%13.14%12.61%13.12%13.32%13.60%13.08%+47 bps
Liquidity & Funding
Loans / Shares74.79%77.72%78.41%73.37%77.85%81.31%82.53%77.92%+456 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps