PackageTrendsPeer
Letter portraitLegal landscape

General American Life Ins Co. Emp

St. Louis, MO · Charter 486

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

General American Life Ins Co. Emp

St. Louis, MO · Charter 486

Q4 2001

$13.6MAssets
$5.2MLoans
$12.0MShares
$1.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.30%, down 55 bps year over year; NIM at 2.33%.
  • Asset quality: problem loans at 0.84% of loans (+25 bps YoY).
  • Capital: net worth / assets of 10.91%.
  • Funding: loans stand at 43.24% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.30%-55 bps YoY

Net Interest Margin (YTD, annualized)

2.33%-25 bps YoY

Efficiency Ratio (YTD, annualized)

84.53%+2,333 bps YoY

Net Worth / Assets

10.91%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets4.93%5.19%4.52%0.85%0.54%0.67%0.46%0.30%-55 bps
Return on Equityn/an/an/an/an/a5.09%3.89%2.75%n/a
Net Interest Marginn/an/an/a2.58%2.13%2.39%2.52%2.33%-25 bps
Efficiency Ration/an/an/a61.21%72.08%69.76%80.63%84.53%+2,333 bps
Growth
Asset Growth (YoY)17.63%11.64%11.66%11.62%17.81%13.05%17.09%30.71%+1,908 bps
Loan Growth (YoY)8.48%12.04%4.17%-2.45%2.38%2.02%-4.65%-15.55%-1,310 bps
Share Growth (YoY)17.58%11.21%11.58%11.30%18.29%12.93%17.56%33.90%+2,260 bps
Asset Quality
Delinquent Loans / Loans0.79%0.86%0.84%0.59%0.57%0.98%0.34%0.84%+25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.55%0.60%0.62%0.65%0.51%0.55%0.43%0.46%-19 bps
Capital
Risk-Based Capitaln/an/an/an/an/a13.09%11.84%10.91%n/a
Net Worth / Assetsn/an/an/an/an/a13.09%11.84%10.91%n/a
Liquidity & Funding
Loans / Shares72.68%77.76%69.74%68.56%62.90%70.24%56.56%43.24%-2,532 bps
Liquid Assets / Assets32.10%28.60%36.32%37.66%42.99%38.43%48.95%60.31%+2,265 bps