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St. Joseph Cold Spring

Cold Spring, KY · Charter 22378

Q3 2014

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 2014, the quarter ended September 30, 2014, 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. Joseph Cold Spring

Cold Spring, KY · Charter 22378

Q3 2014

$1.6MAssets
$150KLoans
$1.3MShares
$269KNet Worth

Executive Summary

  • Earnings: ROA of -14.05%, down 1,274 bps year over year; NIM at -12.22%.
  • Asset quality: problem loans at 0.92% of loans (-50 bps YoY).
  • Capital: net worth / assets of 17.06%, down 872 bps from a year ago.
  • Funding: loans stand at 11.50% of shares as of Q3 2014.

Return on Assets (YTD, annualized)

-14.05%-1,274 bps YoY

Net Interest Margin (YTD, annualized)

-12.22%-1,259 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

17.06%-872 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-1.25%-1.35%-1.34%-1.31%-1.38%-1.29%-1.30%-14.05%-1,274 bps
Return on Equity-4.75%-5.16%-5.30%-5.08%-5.20%-5.08%-5.27%-82.33%-7,726 bps
Net Interest Margin0.46%0.33%0.28%0.37%0.42%0.54%0.43%-12.22%-1,259 bps
Efficiency Ratio342%412%430%376%371%313%371%n/an/a
Growth
Asset Growth (YoY)-0.21%-2.17%-3.21%-4.97%-5.85%-2.45%-2.76%-7.82%-284 bps
Loan Growth (YoY)-11.21%-2.33%27.05%27.91%31.38%37.44%-24.42%-29.16%-5,707 bps
Share Growth (YoY)1.29%-1.23%-2.71%-5.04%-6.18%-1.60%-1.94%3.48%+852 bps
Asset Quality
Delinquent Loans / Loans8.49%3.32%1.65%1.42%1.40%1.29%1.34%0.92%-50 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.33%0.35%0.21%0.24%0.25%0.26%0.28%0.33%+10 bps
Capital
Risk-Based Capital26.32%26.16%25.23%25.78%26.57%25.49%24.66%17.06%-872 bps
Net Worth / Assets26.32%26.16%25.23%25.78%26.57%25.49%24.66%17.06%-872 bps
Liquidity & Funding
Loans / Shares11.91%11.20%17.65%16.80%16.68%15.65%13.60%11.50%-530 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps