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St. Augustine

Covington, KY · Charter 62472

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. Augustine

Covington, KY · Charter 62472

Q4 2001

$353KAssets
$71KLoans
$319KShares
$34KNet Worth

Executive Summary

  • Earnings: ROA of -1.50%, down 182 bps year over year; NIM at 1.10%.
  • Asset quality: problem loans at 6.43% of loans (+384 bps YoY).
  • Capital: net worth / assets of 9.64%.
  • Funding: loans stand at 22.15% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-1.50%-182 bps YoY

Net Interest Margin (YTD, annualized)

1.10%+290 bps YoY

Efficiency Ratio (YTD, annualized)

237%+15,037 bps YoY

Net Worth / Assets

9.64%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets5.66%5.26%4.55%0.32%-0.47%-0.51%-0.11%-1.50%-182 bps
Return on Equityn/an/an/an/an/a-4.74%-1.01%-15.56%n/a
Net Interest Marginn/an/an/a-1.81%1.32%3.01%1.74%1.10%+290 bps
Efficiency Ration/an/an/a86.25%136.01%116.83%106.53%237%+15,037 bps
Growth
Asset Growth (YoY)14.77%11.94%15.05%5.91%10.07%13.80%-1.30%-0.66%-657 bps
Loan Growth (YoY)-3.86%-6.93%-9.58%0.94%-18.75%-5.34%-9.49%-29.44%-3,037 bps
Share Growth (YoY)15.20%11.09%16.91%4.89%11.90%16.67%-1.75%6.98%+209 bps
Asset Quality
Delinquent Loans / Loans12.53%7.62%13.41%2.59%7.71%11.38%7.15%6.43%+384 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans16.43%17.31%17.51%12.70%17.36%15.69%16.60%8.30%-440 bps
Capital
Risk-Based Capitaln/an/an/an/an/a10.71%11.30%9.64%n/a
Net Worth / Assetsn/an/an/an/an/a10.71%11.30%9.64%n/a
Liquidity & Funding
Loans / Shares30.70%32.33%27.83%33.59%22.29%26.23%25.63%22.15%-1,143 bps
Liquid Assets / Assets76.36%74.35%29.82%50.25%31.11%80.41%76.67%75.83%+2,558 bps