PackageTrendsPeer
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St. Dominic`s

Denver, CO · Charter 65823

Q4 2000

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: Q4 2000, the quarter ended December 31, 2000, 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. Dominic`s

Denver, CO · Charter 65823

Q4 2000

$2.5MAssets
$2.1MLoans
$2.3MShares
$155KNet Worth

Executive Summary

  • Earnings: ROA of 0.13%, up 206 bps year over year; NIM at 7.05%.
  • Asset quality: problem loans at 2.19% of loans (-212 bps YoY).
  • Capital: net worth / assets of 6.28%.
  • Funding: loans stand at 89.18% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

0.13%+206 bps YoY

Net Interest Margin (YTD, annualized)

7.05%

Efficiency Ratio (YTD, annualized)

99.53%

Net Worth / Assets

6.28%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.48%3.23%2.88%-1.93%-0.79%-3.66%0.24%0.13%+206 bps
Return on Equityn/an/an/an/an/an/an/a2.15%n/an/a
Net Interest Marginn/an/an/an/an/a6.42%6.99%7.05%n/a
Efficiency Ration/an/an/an/an/a130.93%105.92%99.53%n/a
Growth
Asset Growth (YoY)6.04%7.96%17.26%0.77%1.88%3.44%-1.48%16.27%+1,551 bps
Loan Growth (YoY)-18.44%-7.27%23.63%33.37%20.92%17.50%0.95%12.96%-2,041 bps
Share Growth (YoY)7.39%8.29%17.54%5.72%8.92%14.63%9.48%23.29%+1,756 bps
Asset Quality
Delinquent Loans / Loans3.08%1.72%2.28%4.31%4.67%3.16%2.22%2.19%-212 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.85%2.13%1.79%7.17%6.98%4.06%3.40%3.34%-384 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a6.28%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a6.28%n/an/a
Liquidity & Funding
Loans / Shares69.73%79.22%90.56%97.33%77.42%81.20%83.50%89.18%-815 bps
Liquid Assets / Assets24.89%10.24%-3.39%10.77%20.49%0.00%0.00%15.22%+445 bps