Birmingham, AL · Charter 97067
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.30% | -0.92% | -0.46% | -0.75% | -0.83% | +46 bps | |
| Return on Equity | -11.15% | -9.22% | -3.91% | -6.27% | -6.57% | +458 bps | |
| Net Interest Margin | 4.64% | 3.95% | 4.53% | 4.42% | 4.55% | -9 bps | |
| Efficiency Ratio | 99.05% | 97.42% | 96.71% | 101.82% | 104.21% | +516 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.65% | 17.20% | -4.42% | -13.09% | -8.03% | -1,468 bps | |
| Loan Growth (YoY) | -7.16% | -8.36% | -16.87% | -18.18% | -19.38% | -1,222 bps | |
| Share Growth (YoY) | 5.46% | 18.05% | -5.24% | -14.63% | -8.95% | -1,441 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.92% | 1.33% | 2.61% | 1.17% | 1.77% | -15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.69% | 1.60% | 1.74% | 1.07% | 1.21% | -48 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.62% | 9.93% | 11.81% | 12.01% | 12.66% | +105 bps | |
| Net Worth / Assets | 11.62% | 9.93% | 11.81% | 12.01% | 12.66% | +105 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.81% | 65.04% | 71.82% | 69.12% | 71.55% | -926 bps | |
| Liquid Assets / Assets | 24.89% | 38.13% | 32.47% | 34.25% | 31.68% | +679 bps | |