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St. Joseph

Scott City, MO · Charter 67733

Q3 2005

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: Q3 2005, the quarter ended September 30, 2005, 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. Joseph

Scott City, MO · Charter 67733

Q3 2005

$88KAssets
$62KLoans
$85KShares
$3KNet 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 -5.24%, down 200 bps year over year; NIM at 6.96%.
  • Asset quality: problem loans at 16.89% of loans (-613 bps YoY).
  • Capital: net worth / assets of 3.66%, down 548 bps from a year ago.
  • Funding: loans stand at 72.84% of shares as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

-5.24%-200 bps YoY

Net Interest Margin (YTD, annualized)

6.96%+55 bps YoY

Efficiency Ratio (YTD, annualized)

42.29%-748 bps YoY

Net Worth / Assets

3.66%-548 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets-3.24%-7.09%-11.48%-8.05%-5.24%-200 bps
Return on Equity-35.49%-121.70%-283%-243%-143.36%-10,788 bps
Net Interest Margin6.42%6.56%7.45%7.18%6.96%+55 bps
Efficiency Ratio49.77%48.21%35.98%43.56%42.29%-748 bps
Growth
Asset Growth (YoY)-11.18%-14.08%-24.30%-25.96%-23.46%-1,227 bps
Loan Growth (YoY)-1.43%-14.57%-10.88%-8.87%-31.73%-3,029 bps
Share Growth (YoY)-10.65%-10.00%-19.61%-21.67%-18.99%-833 bps
Asset Quality
Delinquent Loans / Loans23.01%25.52%23.04%26.74%16.89%-613 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.31%14.20%15.42%17.61%6.19%+88 bps
Capital
Risk-Based Capital9.14%5.83%4.05%3.32%3.66%-548 bps
Net Worth / Assets9.14%5.83%4.05%3.32%3.66%-548 bps
Liquidity & Funding
Loans / Shares86.44%73.35%79.00%83.38%72.84%-1,359 bps
Liquid Assets / Assets23.10%37.24%27.86%28.58%29.66%+656 bps