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P. C. Glassworkers

Sedalia, MO · Charter 63074

Q2 2009

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 2009, the quarter ended June 30, 2009, 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

P. C. Glassworkers

Sedalia, MO · Charter 63074

Q2 2009

$976KAssets
$619KLoans
$639KShares
$133KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -3.66%, down 346 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 4.72% of loans (+406 bps YoY).
  • Capital: net worth / assets of 13.59%, down 32 bps from a year ago.
  • Funding: loans stand at 96.82% of shares as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-3.66%-346 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+21 bps YoY

Efficiency Ratio (YTD, annualized)

162.31%+899 bps YoY

Net Worth / Assets

13.59%-32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-0.20%-0.28%-0.39%-0.38%-3.66%-346 bps
Return on Equity-1.47%-1.93%-2.60%-2.66%-26.95%-2,548 bps
Net Interest Margin3.37%3.79%3.86%3.89%3.58%+21 bps
Efficiency Ratio153.32%136.86%133.17%109.52%162.31%+899 bps
Growth
Asset Growth (YoY)6.44%22.39%25.96%13.40%-11.62%-1,806 bps
Loan Growth (YoY)-17.01%-8.87%3.12%10.91%-6.71%+1,030 bps
Share Growth (YoY)13.89%25.91%30.57%13.01%-32.42%-4,631 bps
Asset Quality
Delinquent Loans / Loans0.65%2.54%0.92%0.42%4.72%+406 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.31%0.29%0.17%0.29%1.43%+111 bps
Capital
Risk-Based Capital13.91%14.33%14.85%14.13%13.59%-32 bps
Net Worth / Assets13.91%14.33%14.85%14.13%13.59%-32 bps
Liquidity & Funding
Loans / Shares70.13%78.29%82.49%77.49%96.82%+2,668 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps