PackageTrendsPeer
Letter portraitLegal landscape

St. Marys Parish

Sleepy Eye, MN · Charter 60730

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

St. Marys Parish

Sleepy Eye, MN · Charter 60730

Q4 2001

$115.1MAssets
$57.3MLoans
$93.6MShares
$20.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.07%, up 9 bps year over year; NIM at 2.12%.
  • Asset quality: problem loans at 0.15% of loans (-6 bps YoY).
  • Capital: net worth / assets of 17.84%, down 41 bps from a year ago.
  • Funding: loans stand at 61.28% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

1.07%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.12%+25 bps YoY

Efficiency Ratio (YTD, annualized)

48.52%+351 bps YoY

Net Worth / Assets

17.84%-41 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.36%1.31%1.17%0.97%1.05%1.09%1.11%1.07%+9 bps
Return on Equityn/an/an/a5.32%5.80%6.02%6.19%5.97%+65 bps
Net Interest Margin2.14%2.09%1.98%1.87%1.72%1.88%1.97%2.12%+25 bps
Efficiency Ratio37.03%38.18%41.37%45.01%47.93%47.28%47.31%48.52%+351 bps
Growth
Asset Growth (YoY)2.94%1.74%3.24%6.14%9.03%11.01%10.86%8.82%+268 bps
Loan Growth (YoY)16.95%15.65%14.70%16.23%11.49%7.88%7.52%5.67%-1,056 bps
Share Growth (YoY)2.61%0.82%2.12%5.13%8.50%10.83%10.89%9.05%+393 bps
Asset Quality
Delinquent Loans / Loans0.20%0.39%0.17%0.21%0.14%0.16%0.12%0.15%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.72%0.68%0.65%0.78%0.78%0.76%0.73%0.89%+12 bps
Capital
Risk-Based Capitaln/an/an/a18.26%18.02%18.03%17.96%17.84%-41 bps
Net Worth / Assetsn/an/an/a18.26%18.02%18.03%17.96%17.84%-41 bps
Liquidity & Funding
Loans / Shares59.80%63.79%65.09%63.25%61.45%62.09%63.11%61.28%-196 bps
Liquid Assets / Assets12.60%12.14%15.34%22.77%15.78%11.99%8.39%12.77%-1,000 bps