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St. Johns County Teachers

St. Augustine, FL · Charter 67310

Q2 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: Q2 2004, the quarter ended June 30, 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 2026-10-10

St. Johns County Teachers

St. Augustine, FL · Charter 67310

Q2 2004

$14.3MAssets
$2.7MLoans
$12.9MShares
$1.4MNet 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 -0.43%, down 53 bps year over year; NIM at 1.71%.
  • Asset quality: problem loans at 1.03% of loans (+96 bps YoY).
  • Capital: net worth / assets of 9.55%, down 64 bps from a year ago.
  • Funding: loans stand at 21.24% of shares as of Q2 2004.

Financial Results

Return on Assets (YTD, annualized)

-0.43%-53 bps YoY

Net Interest Margin (YTD, annualized)

1.71%-51 bps YoY

Efficiency Ratio (YTD, annualized)

118.21%+2,163 bps YoY

Net Worth / Assets

9.55%-64 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets0.10%0.12%0.32%-0.17%-0.43%-53 bps
Return on Equity0.98%1.16%2.98%-1.74%-4.53%-552 bps
Net Interest Margin2.22%2.09%2.12%1.80%1.71%-51 bps
Efficiency Ratio96.58%95.76%98.40%107.01%118.21%+2,163 bps
Growth
Asset Growth (YoY)5.99%12.04%9.40%9.79%6.99%+100 bps
Loan Growth (YoY)-21.83%-23.21%-25.62%-21.32%-22.04%-21 bps
Share Growth (YoY)6.86%13.16%10.09%10.46%7.92%+106 bps
Asset Quality
Delinquent Loans / Loans0.07%0.96%1.40%1.35%1.03%+96 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.58%0.60%0.65%0.67%0.73%-85 bps
Capital
Risk-Based Capital10.19%10.29%10.64%9.87%9.55%-64 bps
Net Worth / Assets10.19%10.29%10.64%9.87%9.55%-64 bps
Liquidity & Funding
Loans / Shares29.40%27.61%26.35%23.73%21.24%-816 bps
Liquid Assets / Assets67.96%68.05%69.81%69.32%72.73%+476 bps