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St. Cletus

Warren, MI · Charter 63678

Q2 2012

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 2012, the quarter ended June 30, 2012, 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. Cletus

Warren, MI · Charter 63678

Q2 2012

$15.6MAssets
$8.2MLoans
$13.9MShares
$1.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.56%, up 12 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.56% of loans (-162 bps YoY).
  • Capital: net worth / assets of 9.49%, down 67 bps from a year ago.
  • Funding: loans stand at 58.98% of shares as of Q2 2012.

Return on Assets (YTD, annualized)

0.56%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.05%-27 bps YoY

Efficiency Ratio (YTD, annualized)

86.76%+475 bps YoY

Net Worth / Assets

9.49%-67 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.32%0.18%0.37%0.44%0.01%0.25%0.12%0.56%+12 bps
Return on Equity2.66%1.62%3.58%4.33%0.09%2.48%1.26%5.88%+155 bps
Net Interest Margin3.94%3.65%3.36%3.32%3.33%3.28%2.98%3.05%-27 bps
Efficiency Ratio81.69%79.07%85.18%82.01%90.63%87.18%90.17%86.76%+475 bps
Growth
Asset Growth (YoY)16.04%25.09%32.44%28.07%22.83%14.29%13.56%10.16%-1,791 bps
Loan Growth (YoY)0.20%1.12%2.39%5.31%6.96%1.75%6.98%3.65%-166 bps
Share Growth (YoY)19.19%28.16%33.26%30.22%24.30%16.97%16.09%11.54%-1,868 bps
Asset Quality
Delinquent Loans / Loans1.03%1.46%1.45%2.18%2.28%1.63%1.39%0.56%-162 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.24%2.31%2.24%2.18%2.48%1.79%1.80%1.66%-52 bps
Capital
Risk-Based Capital12.03%10.97%10.23%10.16%10.01%10.00%9.14%9.49%-67 bps
Net Worth / Assets12.03%10.97%10.23%10.16%10.01%10.00%9.14%9.49%-67 bps
Liquidity & Funding
Loans / Shares73.26%69.39%65.08%63.47%63.04%60.36%59.97%58.98%-449 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps