PackageTrendsPeer
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Vestal Employees

St. Louis, MO · Charter 64803

Q1 2004

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: Q1 2004, the quarter ended March 31, 2004, 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

Vestal Employees

St. Louis, MO · Charter 64803

Q1 2004

$276KAssets
$108KLoans
$97KShares
$28KNet 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 -2.55%, down 145 bps year over year; NIM at 4.73%.
  • Asset quality: problem loans at 11.70% of loans (+1,170 bps YoY).
  • Capital: net worth / assets of 10.29%, down 489 bps from a year ago.
  • Funding: loans stand at 110.48% of shares as of Q1 2004.

Financial Results

Return on Assets (YTD, annualized)

-2.55%-145 bps YoY

Net Interest Margin (YTD, annualized)

4.73%+32 bps YoY

Efficiency Ratio (YTD, annualized)

152.60%+2,966 bps YoY

Net Worth / Assets

10.29%-489 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2003Q2 2003Q3 2003Q4 2003Q1 2004YoY ΔTrend
Earnings
Return on Assets-1.11%0.45%-1.87%0.24%-2.55%-145 bps
Return on Equity-7.29%2.90%-10.54%1.07%-24.82%-1,754 bps
Net Interest Margin4.41%5.63%8.18%11.34%4.73%+32 bps
Efficiency Ratio122.93%92.50%121.55%97.98%152.60%+2,966 bps
Growth
Asset Growth (YoY)11.16%-4.60%-16.21%-10.66%41.81%+3,065 bps
Loan Growth (YoY)-13.60%-4.05%-9.04%-11.39%-28.28%-1,469 bps
Share Growth (YoY)13.12%-6.35%-22.81%-16.15%-40.11%-5,323 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%11.70%+1,170 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.60%1.62%1.58%1.80%2.24%+63 bps
Capital
Risk-Based Capital15.18%15.68%17.73%22.23%10.29%-489 bps
Net Worth / Assets15.18%15.68%17.73%22.23%10.29%-489 bps
Liquidity & Funding
Loans / Shares92.26%92.96%128.73%153.48%110.48%+1,822 bps
Liquid Assets / Assets22.05%22.04%0.00%0.00%13.18%-887 bps