PackageTrendsPeer
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Pope Leo Xiii

Elmwood Park, NJ · Charter 11426

Q4 2000

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: Q4 2000, the quarter ended December 31, 2000, 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

Pope Leo Xiii

Elmwood Park, NJ · Charter 11426

Q4 2000

$816KAssets
$398KLoans
$701KShares
$115KNet Worth

Executive Summary

  • Earnings: ROA of 0.09%, down 231 bps year over year; NIM at 1.56%.
  • Asset quality: problem loans at 10.23% of loans (-1,106 bps YoY).
  • Capital: net worth / assets of 14.04%.
  • Funding: loans stand at 56.76% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

0.09%-231 bps YoY

Net Interest Margin (YTD, annualized)

1.56%

Efficiency Ratio (YTD, annualized)

95.02%

Net Worth / Assets

14.04%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.03%2.79%3.03%2.40%3.95%0.09%-0.16%0.09%-231 bps
Return on Equityn/an/an/an/an/an/an/a0.67%n/an/a
Net Interest Marginn/an/an/an/an/a3.27%3.61%1.56%n/a
Efficiency Ration/an/an/an/an/a97.47%104.00%95.02%n/a
Growth
Asset Growth (YoY)-11.97%-5.65%-8.56%-6.63%-1.16%-5.54%-10.11%-6.87%-24 bps
Loan Growth (YoY)9.79%25.17%21.60%7.64%-0.13%-19.34%-27.15%-23.75%-3,140 bps
Share Growth (YoY)-13.60%-6.80%-9.44%-7.39%-1.20%-5.53%-10.47%-7.88%-49 bps
Asset Quality
Delinquent Loans / Loans4.35%6.80%5.63%21.29%13.29%10.08%10.23%10.23%-1,106 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans8.27%7.72%5.38%6.53%6.93%8.05%8.83%8.83%+230 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a14.04%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a14.04%n/an/a
Liquidity & Funding
Loans / Shares57.75%66.37%69.75%68.58%58.38%56.66%56.76%56.76%-1,182 bps
Liquid Assets / Assets13.61%19.73%14.69%26.67%37.32%40.44%50.86%50.86%+2,419 bps