Birmingham, AL · Charter 9864
Q1 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.82% | 1.58% | 1.49% | 1.61% | 1.31% | -51 bps | |
| Return on Equity | 18.04% | 15.46% | 14.91% | 15.64% | 12.88% | -516 bps | |
| Net Interest Margin | 1.99% | 2.01% | 1.93% | 1.96% | 1.83% | -15 bps | |
| Efficiency Ratio | 9.99% | 9.90% | 9.17% | 9.10% | 10.86% | +87 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.94% | 18.61% | 20.21% | 15.46% | 15.80% | -114 bps | |
| Loan Growth (YoY) | -3.16% | -2.74% | -3.00% | -4.04% | -6.13% | -297 bps | |
| Share Growth (YoY) | 18.10% | 19.66% | 21.15% | 15.35% | 15.59% | -251 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.40% | 0.74% | 0.95% | 0.67% | 0.59% | +19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.67% | 0.92% | 1.22% | 0.92% | 0.92% | +25 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.09% | 10.21% | 10.01% | 10.27% | 10.19% | +10 bps | |
| Net Worth / Assets | 10.09% | 10.21% | 10.01% | 10.27% | 10.19% | +10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.92% | 39.78% | 37.09% | 35.42% | 32.42% | -750 bps | |
| Liquid Assets / Assets | 19.76% | 18.45% | 21.17% | 26.99% | 28.18% | +842 bps | |