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St. Marys

Sleepy Eye, MN · Charter 24662

Q3 2015

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 2015, the quarter ended September 30, 2015, 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. Marys

Sleepy Eye, MN · Charter 24662

Q3 2015

$291.4MAssets
$204.5MLoans
$227.4MShares
$41.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.46%, down 24 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 0.45% of loans (+27 bps YoY).
  • Capital: net worth / assets of 14.34%, up 6 bps from a year ago.
  • Funding: loans stand at 89.92% of shares as of Q3 2015.

Return on Assets (YTD, annualized)

0.46%-24 bps YoY

Net Interest Margin (YTD, annualized)

2.56%+2 bps YoY

Efficiency Ratio (YTD, annualized)

86.49%+721 bps YoY

Net Worth / Assets

14.34%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.78%0.54%0.69%0.70%0.65%0.48%0.49%0.46%-24 bps
Return on Equity5.27%3.69%4.66%4.90%4.65%3.39%3.38%3.18%-172 bps
Net Interest Margin2.61%2.58%2.65%2.54%2.47%2.46%2.57%2.56%+2 bps
Efficiency Ratio75.79%83.73%78.91%79.29%80.00%86.40%85.89%86.49%+721 bps
Growth
Asset Growth (YoY)6.62%7.17%6.22%9.35%11.13%7.78%6.89%3.13%-622 bps
Loan Growth (YoY)9.72%9.45%9.28%9.47%7.19%5.33%7.38%8.57%-91 bps
Share Growth (YoY)8.52%8.31%5.96%7.40%10.49%6.32%6.58%4.28%-312 bps
Asset Quality
Delinquent Loans / Loans0.43%0.39%0.40%0.18%0.33%0.40%0.10%0.45%+27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.44%0.42%0.41%0.34%0.32%0.29%0.27%0.27%-6 bps
Capital
Risk-Based Capital14.74%14.49%14.91%14.28%13.91%14.09%14.54%14.34%+6 bps
Net Worth / Assets14.74%14.49%14.91%14.28%13.91%14.09%14.54%14.34%+6 bps
Liquidity & Funding
Loans / Shares86.01%84.17%88.62%86.37%83.44%83.39%89.28%89.92%+355 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps