PackageTrendsPeer
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SS Peter & Paul Byzantine Rite

Bethelehem, PA · Charter 24105

Q2 2001

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 2001, the quarter ended June 30, 2001, 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

SS Peter & Paul Byzantine Rite

Bethelehem, PA · Charter 24105

Q2 2001

$107KAssets
$51KLoans
$86KShares
$16KNet Worth

Executive Summary

  • Earnings: ROA of 0.80%, down 162 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 9.80% of loans (-1,001 bps YoY).
  • Capital: net worth / assets of 14.60%.
  • Funding: loans stand at 59.14% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

0.80%-162 bps YoY

Net Interest Margin (YTD, annualized)

4.00%

Efficiency Ratio (YTD, annualized)

66.76%

Net Worth / Assets

14.60%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets4.31%4.28%4.61%2.42%2.57%1.86%-0.30%0.80%-162 bps
Return on Equityn/an/an/an/an/an/a-2.64%5.47%n/a
Net Interest Marginn/an/an/an/a4.86%4.03%5.69%4.00%n/a
Efficiency Ration/an/an/an/a42.17%45.84%65.77%66.76%n/a
Growth
Asset Growth (YoY)44.76%19.24%12.62%19.35%4.23%9.75%1.90%-44.43%-6,378 bps
Loan Growth (YoY)-7.77%-23.96%-23.07%-22.61%-19.36%-5.15%-9.30%-4.90%+1,770 bps
Share Growth (YoY)46.43%18.12%14.48%19.96%4.69%11.26%-0.56%-51.74%-7,170 bps
Asset Quality
Delinquent Loans / Loans34.61%0.00%0.00%19.81%0.00%67.66%6.57%9.80%-1,001 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans6.21%7.80%7.80%9.29%9.99%12.40%13.56%14.12%+484 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a11.56%14.60%n/a
Net Worth / Assetsn/an/an/an/an/an/a11.56%14.60%n/a
Liquidity & Funding
Loans / Shares40.29%37.22%37.22%30.01%31.03%31.73%33.95%59.14%+2,913 bps
Liquid Assets / Assets63.85%65.09%65.09%57.92%62.77%65.76%73.04%57.97%+6 bps