PackageTrendsPeer
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P S C I South District

Jeffersonville, IN · Charter 14494

Q3 2004

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: Q3 2004, the quarter ended September 30, 2004, 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

P S C I South District

Jeffersonville, IN · Charter 14494

Q3 2004

$382KAssets
$238KLoans
$311KShares
$71KNet 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 1.86%, unchanged from a year ago; NIM at 5.79%.
  • Asset quality: problem loans at 2.24% of loans (-1 bps YoY).
  • Capital: net worth / assets of 18.61%, unchanged from a year ago.
  • Funding: loans stand at 76.57% of shares as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

1.86%0 bps YoY

Net Interest Margin (YTD, annualized)

5.79%0 bps YoY

Efficiency Ratio (YTD, annualized)

67.94%0 bps YoY

Net Worth / Assets

18.61%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets1.86%0.04%1.75%1.98%1.86%0 bps
Return on Equity9.98%0.21%9.02%10.21%9.98%0 bps
Net Interest Margin5.79%4.90%6.83%6.76%5.79%0 bps
Efficiency Ratio67.94%99.22%74.41%70.74%67.94%0 bps
Growth
Asset Growth (YoY)-11.01%-15.42%-5.64%-8.79%0.00%+1,101 bps
Loan Growth (YoY)-9.40%7.11%10.91%0.89%0.00%+940 bps
Share Growth (YoY)-12.25%-18.27%-6.95%-9.86%0.00%+1,225 bps
Asset Quality
Delinquent Loans / Loans2.25%2.11%2.06%0.00%2.24%-1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.68%1.62%1.58%0.78%1.68%0 bps
Capital
Risk-Based Capital18.61%17.95%19.37%19.37%18.61%0 bps
Net Worth / Assets18.61%17.95%19.37%19.37%18.61%0 bps
Liquidity & Funding
Loans / Shares76.57%81.96%90.09%84.07%76.57%0 bps
Liquid Assets / Assets37.87%32.99%27.56%31.97%37.87%0 bps