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Pillar

Minneapolis, MN · Charter 24352

Q4 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: Q4 2001, the quarter ended December 31, 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

Pillar

Minneapolis, MN · Charter 24352

Q4 2001

$36.8MAssets
$20.8MLoans
$33.5MShares
$3.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.73%, down 40 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.70% of loans (+5 bps YoY).
  • Capital: net worth / assets of 8.38%.
  • Funding: loans stand at 61.90% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.73%-40 bps YoY

Net Interest Margin (YTD, annualized)

3.16%-165 bps YoY

Efficiency Ratio (YTD, annualized)

87.64%+1,285 bps YoY

Net Worth / Assets

8.38%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.92%3.68%4.05%1.14%0.65%0.91%0.64%0.73%-40 bps
Return on Equityn/an/an/an/an/a9.52%6.76%8.73%n/a
Net Interest Marginn/an/an/a4.81%4.47%4.42%3.87%3.16%-165 bps
Efficiency Ration/an/an/a74.79%82.53%79.24%85.88%87.64%+1,285 bps
Growth
Asset Growth (YoY)11.78%9.84%1.68%4.64%5.36%6.36%12.93%27.86%+2,322 bps
Loan Growth (YoY)5.54%7.72%6.23%6.76%11.38%5.94%-2.47%-9.15%-1,592 bps
Share Growth (YoY)9.80%8.31%-0.77%2.37%4.57%4.54%12.37%28.45%+2,608 bps
Asset Quality
Delinquent Loans / Loans1.08%0.62%0.82%0.65%0.42%0.52%0.52%0.70%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.38%1.36%1.44%1.42%1.38%1.30%1.32%0.82%-60 bps
Capital
Risk-Based Capitaln/an/an/an/an/a9.51%9.54%8.38%n/a
Net Worth / Assetsn/an/an/an/an/a9.51%9.54%8.38%n/a
Liquidity & Funding
Loans / Shares84.81%89.14%93.89%87.53%90.34%90.33%81.49%61.90%-2,562 bps
Liquid Assets / Assets11.49%10.44%9.03%7.62%8.62%14.83%21.23%29.70%+2,208 bps