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Fountain Baptist

Summit, NJ · Charter 9884

Q2 2011

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: Q2 2011, the quarter ended June 30, 2011, 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

Fountain Baptist

Summit, NJ · Charter 9884

Q2 2011

$67KAssets
$5KLoans
$57KShares
$7KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -5.12%, down 499 bps year over year; NIM at 1.31%.
  • Asset quality: problem loans at 12.09% of loans (-2,187 bps YoY).
  • Capital: net worth / assets of 11.16%, down 119 bps from a year ago.
  • Funding: loans stand at 8.72% of shares as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

-5.12%-499 bps YoY

Net Interest Margin (YTD, annualized)

1.31%-104 bps YoY

Efficiency Ratio (YTD, annualized)

430%+35,159 bps YoY

Net Worth / Assets

11.16%-119 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q3 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-0.13%-0.08%-0.06%-1.13%-5.12%-499 bps
Return on Equity-1.02%-0.68%-0.49%-8.81%-45.89%-4,487 bps
Net Interest Margin2.35%2.66%2.02%1.21%1.31%-104 bps
Efficiency Ratio77.95%103.16%103.03%178.05%430%+35,159 bps
Growth
Asset Growth (YoY)-3.55%0.61%-2.38%-3.53%-5.57%-202 bps
Loan Growth (YoY)-16.64%-43.21%-55.66%-64.93%-59.79%-4,315 bps
Share Growth (YoY)-0.61%-0.01%-2.92%-3.84%-3.80%-319 bps
Asset Quality
Delinquent Loans / Loans33.95%25.90%0.00%0.00%12.09%-2,187 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans13.37%18.54%33.92%71.85%89.53%+7,616 bps
Capital
Risk-Based Capital12.34%12.30%12.58%12.77%11.16%-119 bps
Net Worth / Assets12.34%12.30%12.58%12.77%11.16%-119 bps
Liquidity & Funding
Loans / Shares20.87%15.31%12.31%9.58%8.72%-1,215 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps