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St. Christopher

Midlothian, IL · Charter 64270

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. Christopher

Midlothian, IL · Charter 64270

Q2 2001

$671KAssets
$553KLoans
$627KShares
$42KNet Worth

Executive Summary

  • Earnings: ROA of -4.57%, down 577 bps year over year; NIM at 7.15%.
  • Asset quality: problem loans at 9.51% of loans (-1,362 bps YoY).
  • Capital: net worth / assets of 6.30%.
  • Funding: loans stand at 88.19% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

-4.57%-577 bps YoY

Net Interest Margin (YTD, annualized)

7.15%

Efficiency Ratio (YTD, annualized)

79.40%

Net Worth / Assets

6.30%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets3.53%3.43%3.41%1.20%0.12%-9.05%-4.72%-4.57%-577 bps
Return on Equityn/an/an/an/an/an/a-53.43%-72.57%n/a
Net Interest Marginn/an/an/an/a6.03%6.86%7.70%7.15%n/a
Efficiency Ration/an/an/an/a98.08%76.63%72.09%79.40%n/a
Growth
Asset Growth (YoY)4.84%4.27%-2.62%-11.08%-7.59%-12.22%-11.34%-5.26%+582 bps
Loan Growth (YoY)36.03%22.59%1.86%-2.15%-4.78%2.29%17.82%5.50%+765 bps
Share Growth (YoY)2.89%2.08%-5.66%-13.31%-9.96%-9.14%-7.35%1.70%+1,501 bps
Asset Quality
Delinquent Loans / Loans3.48%6.13%16.13%23.13%25.58%17.14%14.62%9.51%-1,362 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.06%1.48%1.01%1.53%0.82%6.05%6.01%5.74%+422 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a8.83%6.30%n/a
Net Worth / Assetsn/an/an/an/an/an/a8.83%6.30%n/a
Liquidity & Funding
Loans / Shares84.15%73.39%76.96%85.01%88.99%82.63%97.87%88.19%+317 bps
Liquid Assets / Assets21.42%29.84%22.91%14.87%8.14%8.59%13.75%12.42%-245 bps