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St. Lawrence Cincinnati

Cincinnati, OH · Charter 20421

Q4 2003

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 2003, the quarter ended December 31, 2003, 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

St. Lawrence Cincinnati

Cincinnati, OH · Charter 20421

Q4 2003

$131KAssets
$107KLoans
$76KShares
$54KNet 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 -2.44%, down 191 bps year over year; NIM at 7.11%.
  • Asset quality: problem loans at 21.36% of loans (+1,732 bps YoY).
  • Capital: net worth / assets of 41.50%, up 368 bps from a year ago.
  • Funding: loans stand at 140.94% of shares as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

-2.44%-191 bps YoY

Net Interest Margin (YTD, annualized)

7.11%+34 bps YoY

Efficiency Ratio (YTD, annualized)

118.13%+1,094 bps YoY

Net Worth / Assets

41.50%+368 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets-0.53%0.22%-3.41%-3.18%-2.44%-191 bps
Return on Equity-1.41%0.59%-9.26%-7.94%-5.89%-448 bps
Net Interest Margin6.77%7.84%6.90%7.17%7.11%+34 bps
Efficiency Ratio107.20%97.31%122.85%124.82%118.13%+1,094 bps
Growth
Asset Growth (YoY)-25.24%-21.61%-18.74%-19.78%-14.82%+1,042 bps
Loan Growth (YoY)8.26%-0.95%-7.14%-32.61%-26.85%-3,511 bps
Share Growth (YoY)-34.56%-30.48%-25.83%-27.64%-20.02%+1,454 bps
Asset Quality
Delinquent Loans / Loans4.05%13.98%14.96%16.08%21.36%+1,732 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.77%1.91%1.87%2.02%2.19%+43 bps
Capital
Risk-Based Capital37.82%37.77%36.90%40.06%41.50%+368 bps
Net Worth / Assets37.82%37.77%36.90%40.06%41.50%+368 bps
Liquidity & Funding
Loans / Shares154.10%142.42%131.60%141.18%140.94%-1,316 bps
Liquid Assets / Assets5.30%0.00%18.29%17.01%19.38%+1,407 bps