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St. John's

St. Johnsbury, VT · Charter 60812

Q2 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: Q2 2001, the quarter ended June 30, 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. John's

St. Johnsbury, VT · Charter 60812

Q2 2001

$365KAssets
$308KLoans
$310KShares
$51KNet Worth

Executive Summary

  • Earnings: ROA of -0.92%, down 424 bps year over year; NIM at 6.47%.
  • Asset quality: problem loans at 1.70% of loans (+21 bps YoY).
  • Capital: net worth / assets of 13.83%.
  • Funding: loans stand at 99.09% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

-0.92%-424 bps YoY

Net Interest Margin (YTD, annualized)

6.47%

Efficiency Ratio (YTD, annualized)

114.26%

Net Worth / Assets

13.83%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets2.34%2.65%1.53%3.32%1.18%2.49%1.62%-0.92%-424 bps
Return on Equityn/an/an/an/an/an/a10.85%-6.67%n/a
Net Interest Marginn/an/an/an/a7.43%8.62%8.94%6.47%n/a
Efficiency Ration/an/an/an/a84.55%70.55%81.92%114.26%n/a
Growth
Asset Growth (YoY)-18.20%-6.79%-9.19%-5.00%6.36%-3.58%-0.81%-7.89%-290 bps
Loan Growth (YoY)-17.60%-8.82%-8.86%2.52%13.57%-3.55%-13.17%-12.20%-1,471 bps
Share Growth (YoY)-15.04%-8.16%-5.76%-6.71%-2.91%-4.96%-2.79%-9.58%-287 bps
Asset Quality
Delinquent Loans / Loans5.01%10.12%0.97%1.50%6.81%4.04%4.71%1.70%+21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.94%1.75%1.98%2.08%2.01%1.48%2.05%2.09%+1 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a14.90%13.83%n/a
Net Worth / Assetsn/an/an/an/an/an/a14.90%13.83%n/a
Liquidity & Funding
Loans / Shares104.63%103.64%110.60%102.05%122.39%105.17%98.79%99.09%-295 bps
Liquid Assets / Assets3.19%9.40%0.00%0.03%0.01%0.00%10.84%2.42%+238 bps