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St. Roses Parish

Cleveland, OH · Charter 3620

Q2 2013

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 2013, the quarter ended June 30, 2013, 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. Roses Parish

Cleveland, OH · Charter 3620

Q2 2013

$167KAssets
$31KLoans
$145KShares
$22KNet Worth

Executive Summary

  • Earnings: ROA of -10.46%, down 616 bps year over year; NIM at -1.92%.
  • Asset quality: problem loans at 25.31% of loans (+1,132 bps YoY).
  • Capital: net worth / assets of 13.14%, down 443 bps from a year ago.
  • Funding: loans stand at 21.44% of shares as of Q2 2013.

Return on Assets (YTD, annualized)

-10.46%-616 bps YoY

Net Interest Margin (YTD, annualized)

-1.92%-438 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

13.14%-443 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets-4.05%-4.56%-4.21%-4.29%-4.27%-4.74%-5.71%-10.46%-616 bps
Return on Equity-17.72%-20.24%-22.47%-24.45%-25.55%-30.31%-38.02%-79.62%-5,517 bps
Net Interest Margin2.24%2.53%2.27%2.45%2.38%2.40%2.74%-1.92%-438 bps
Efficiency Ratio279%278%283%271%275%292%304%n/an/a
Growth
Asset Growth (YoY)7.94%3.38%15.40%8.45%8.03%10.72%-7.69%-17.63%-2,608 bps
Loan Growth (YoY)-43.21%26.91%7.55%8.64%47.89%33.21%17.01%7.42%-122 bps
Share Growth (YoY)22.20%14.00%28.16%17.58%16.26%19.82%-3.30%-13.04%-3,063 bps
Asset Quality
Delinquent Loans / Loans25.61%15.35%13.10%13.99%7.23%14.53%12.66%25.31%+1,132 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans7.82%5.70%5.41%6.38%5.25%4.21%4.53%5.68%-70 bps
Capital
Risk-Based Capital22.84%22.54%18.73%17.56%16.72%15.62%15.02%13.14%-443 bps
Net Worth / Assets22.84%22.54%18.73%17.56%16.72%15.62%15.02%13.14%-443 bps
Liquidity & Funding
Loans / Shares15.89%23.22%20.70%17.36%20.21%25.81%25.04%21.44%+409 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps