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St. Luke's Hospital Employees

Kansas City, MO · Charter 61811

NCUA · 4 branches

Q2 2016

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 2016, the quarter ended June 30, 2016, 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. Luke's Hospital Employees

Kansas City, MO · Charter 61811

NCUA · 4 branches

Q2 2016

$23.6MAssets
$7.9MLoans
$21.4MShares
$2.0MNet Worth

Executive Summary

  • Earnings: ROA of -4.46%, down 438 bps year over year; NIM at 2.35%.
  • Asset quality: problem loans at 0.38% of loans (-28 bps YoY).
  • Capital: net worth / assets of 8.61%, down 233 bps from a year ago.
  • Funding: loans stand at 36.99% of shares as of Q2 2016.

Return on Assets (YTD, annualized)

-4.46%-438 bps YoY

Net Interest Margin (YTD, annualized)

2.35%-8 bps YoY

Efficiency Ratio (YTD, annualized)

189.04%+9,182 bps YoY

Net Worth / Assets

8.61%-233 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.25%0.52%0.09%-0.07%0.10%0.07%0.38%-4.46%-438 bps
Return on Equity2.30%4.46%0.82%-0.68%0.90%0.68%3.45%-51.72%-5,104 bps
Net Interest Margin2.51%2.64%2.52%2.43%2.28%2.40%2.41%2.35%-8 bps
Efficiency Ratio91.69%87.99%101.43%97.23%94.96%95.23%88.54%189.04%+9,182 bps
Growth
Asset Growth (YoY)0.51%1.40%1.58%4.97%4.09%8.28%3.78%1.97%-300 bps
Loan Growth (YoY)1.31%2.97%1.02%-1.98%1.38%3.56%2.73%-0.43%+155 bps
Share Growth (YoY)0.24%1.52%1.80%5.91%5.17%10.46%5.34%4.14%-177 bps
Asset Quality
Delinquent Loans / Loans0.31%0.86%0.21%0.67%0.40%0.61%2.18%0.38%-28 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.59%0.45%0.27%0.48%0.38%0.59%0.59%1.88%+140 bps
Capital
Risk-Based Capital10.96%11.76%11.18%10.94%10.90%10.93%10.92%8.61%-233 bps
Net Worth / Assets10.96%11.76%11.18%10.94%10.90%10.93%10.92%8.61%-233 bps
Liquidity & Funding
Loans / Shares40.95%42.33%39.14%38.69%39.47%39.68%38.17%36.99%-170 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps