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Stillman Community Development

Tuscaloosa, AL · Charter 24515

Q3 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: Q3 2003, the quarter ended September 30, 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

Stillman Community Development

Tuscaloosa, AL · Charter 24515

Q3 2003

$543KAssets
$351KLoans
$538KShares
$3KNet 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 -6.29%, down 322 bps year over year; NIM at 7.44%.
  • Asset quality: problem loans at 41.78% of loans (+3,040 bps YoY).
  • Capital: net worth / assets of 0.61%, down 211 bps from a year ago.
  • Funding: loans stand at 65.21% of shares as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

-6.29%-322 bps YoY

Net Interest Margin (YTD, annualized)

7.44%+3 bps YoY

Efficiency Ratio (YTD, annualized)

118.94%+5,452 bps YoY

Net Worth / Assets

0.61%-211 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets-3.07%-1.79%-17.55%-9.60%-6.29%-322 bps
Return on Equity-112.98%-50.43%-104807%-2512%-1037%-92,407 bps
Net Interest Margin7.41%7.42%7.76%8.09%7.44%+3 bps
Efficiency Ratio64.42%61.03%302%130.24%118.94%+5,452 bps
Growth
Asset Growth (YoY)6.39%-0.36%-27.88%-37.50%-37.38%-4,377 bps
Loan Growth (YoY)7.55%6.30%-20.22%-39.93%-39.50%-4,705 bps
Share Growth (YoY)12.97%0.67%-23.71%-36.84%-35.85%-4,882 bps
Asset Quality
Delinquent Loans / Loans11.38%13.84%18.71%28.12%41.78%+3,040 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.67%3.35%8.53%7.54%8.50%+83 bps
Capital
Risk-Based Capital2.71%3.54%0.02%0.38%0.61%-211 bps
Net Worth / Assets2.71%3.54%0.02%0.38%0.61%-211 bps
Liquidity & Funding
Loans / Shares69.14%64.46%67.84%71.22%65.21%-393 bps
Liquid Assets / Assets32.80%34.66%19.26%31.03%37.09%+429 bps