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St. Ferdinand

Florissant, MO · Charter 64801

Q3 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: Q3 2009, the quarter ended September 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

St. Ferdinand

Florissant, MO · Charter 64801

Q3 2009

$207KAssets
$97KLoans
$170KShares
$37KNet 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 -1.26%, down 21 bps year over year; NIM at 1.94%.
  • Asset quality: problem loans at 14.15% of loans (+437 bps YoY).
  • Capital: net worth / assets of 17.62%, up 205 bps from a year ago.
  • Funding: loans stand at 57.07% of shares as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

-1.26%-21 bps YoY

Net Interest Margin (YTD, annualized)

1.94%-105 bps YoY

Efficiency Ratio (YTD, annualized)

140.33%+1,768 bps YoY

Net Worth / Assets

17.62%+205 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-1.06%-1.03%-1.16%-0.80%-1.26%-21 bps
Return on Equity-6.79%-6.87%-7.84%-5.45%-7.18%-39 bps
Net Interest Margin2.99%2.69%1.74%1.85%1.94%-105 bps
Efficiency Ratio122.65%124.98%142.22%127.63%140.33%+1,768 bps
Growth
Asset Growth (YoY)-9.61%-0.06%-1.75%1.38%-14.56%-495 bps
Loan Growth (YoY)-24.83%-22.43%-7.30%-13.46%2.77%+2,760 bps
Share Growth (YoY)-10.34%1.33%0.13%2.14%-15.95%-562 bps
Asset Quality
Delinquent Loans / Loans9.78%10.71%16.01%13.18%14.15%+437 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.54%2.67%3.56%3.70%4.36%+181 bps
Capital
Risk-Based Capital15.57%15.06%14.73%14.63%17.62%+205 bps
Net Worth / Assets15.57%15.06%14.73%14.63%17.62%+205 bps
Liquidity & Funding
Loans / Shares46.67%43.45%44.53%43.25%57.07%+1,040 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps