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St. Mark A.M.E. Church

Milwaukee, WI · Charter 67228

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. Mark A.M.E. Church

Milwaukee, WI · Charter 67228

Q4 2000

$149KAssets
$3KLoans
$130KShares
$19KNet Worth

Executive Summary

  • Earnings: ROA of 3.09%, up 12 bps year over year; NIM at 4.32%.
  • Asset quality: problem loans at 92.31% of loans (+9,231 bps YoY).
  • Capital: net worth / assets of 12.54%.
  • Funding: loans stand at 2.20% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

3.09%+12 bps YoY

Net Interest Margin (YTD, annualized)

4.32%

Efficiency Ratio (YTD, annualized)

31.08%

Net Worth / Assets

12.54%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets-0.48%-0.48%2.59%2.97%0.64%1.81%3.36%3.09%+12 bps
Return on Equityn/an/an/an/an/an/an/a24.63%n/an/a
Net Interest Marginn/an/an/an/an/a4.61%4.73%4.32%n/a
Efficiency Ration/an/an/an/an/a60.87%29.05%31.08%n/a
Growth
Asset Growth (YoY)-15.52%-16.80%-16.43%-13.14%11.42%-0.74%35.50%37.61%+5,075 bps
Loan Growth (YoY)-27.52%-13.95%-18.23%-18.11%-45.51%-48.36%-58.81%-46.51%-2,840 bps
Share Growth (YoY)-13.01%-12.72%-13.23%-10.64%7.25%-7.79%29.54%38.92%+4,957 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%5.31%0.00%14.58%10.94%67.16%92.31%+9,231 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans33.40%33.40%38.65%62.27%72.19%76.72%99.52%123.42%+6,115 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a12.54%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a12.54%n/an/a
Liquidity & Funding
Loans / Shares8.11%8.11%9.04%5.73%4.12%4.54%2.88%2.20%-352 bps
Liquid Assets / Assets77.49%77.68%87.37%88.19%72.85%42.52%34.61%97.45%+926 bps