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St. James Parish

Chicago, IL · Charter 65969

Q4 2002

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 2002, the quarter ended December 31, 2002, 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. James Parish

Chicago, IL · Charter 65969

Q4 2002

$130KAssets
$28KLoans
$110KShares
$20KNet 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 -1.39%, down 252 bps year over year; NIM at 4.70%.
  • Asset quality: problem loans at 5.58% of loans (+558 bps YoY).
  • Capital: net worth / assets of 15.38%, up 93 bps from a year ago.
  • Funding: loans stand at 25.46% of shares as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

-1.39%-252 bps YoY

Net Interest Margin (YTD, annualized)

4.70%-182 bps YoY

Efficiency Ratio (YTD, annualized)

129.33%+4,663 bps YoY

Net Worth / Assets

15.38%+93 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2001Q4 2001Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets1.14%-0.77%-0.91%-1.41%-1.39%-252 bps
Return on Equity7.86%-5.17%-6.27%-9.58%-9.01%-1,687 bps
Net Interest Margin6.51%6.02%4.64%4.64%4.70%-182 bps
Efficiency Ratio82.70%97.31%119.55%130.12%129.33%+4,663 bps
Growth
Asset Growth (YoY)10.63%1.01%-2.86%-9.89%-21.28%-3,190 bps
Loan Growth (YoY)-17.59%-22.72%-48.88%-44.01%-35.23%-1,763 bps
Share Growth (YoY)13.17%2.85%-1.41%-7.78%-22.19%-3,536 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%6.04%5.58%+558 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.25%0.51%0.62%0.67%0.65%+40 bps
Capital
Risk-Based Capital14.45%14.84%14.58%14.67%15.38%+93 bps
Net Worth / Assets14.45%14.84%14.58%14.67%15.38%+93 bps
Liquidity & Funding
Loans / Shares30.58%28.54%23.58%23.05%25.46%-512 bps
Liquid Assets / Assets71.83%73.93%77.50%78.15%76.41%+458 bps