PackageTrendsPeer
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Leopold - St. John's

Leopold, MO · Charter 67763

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

Leopold - St. John's

Leopold, MO · Charter 67763

Q4 2000

$25KAssets
$22KLoans
$23KShares
$2KNet Worth

Executive Summary

  • Earnings: ROA of -30.25%, down 3,274 bps year over year; NIM at 9.64%.
  • Asset quality: problem loans at 11.47% of loans (-39 bps YoY).
  • Capital: net worth / assets of 8.76%.
  • Funding: loans stand at 96.15% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

-30.25%-3,274 bps YoY

Net Interest Margin (YTD, annualized)

9.64%

Efficiency Ratio (YTD, annualized)

75.24%

Net Worth / Assets

8.76%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets2.25%2.10%2.36%2.49%0.53%0.37%-37.60%-30.25%-3,274 bps
Return on Equityn/an/an/an/an/an/an/a-345%n/an/a
Net Interest Marginn/an/an/an/an/a5.67%4.52%9.64%n/a
Efficiency Ration/an/an/an/an/a93.74%90.98%75.24%n/a
Growth
Asset Growth (YoY)4.39%2.93%1.07%0.62%3.13%-1.07%-21.64%-55.52%-5,614 bps
Loan Growth (YoY)16.14%6.66%13.08%-2.08%7.72%-3.55%-29.96%-51.54%-4,946 bps
Share Growth (YoY)3.81%1.47%-0.85%0.74%3.31%-1.86%-8.44%-50.51%-5,125 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%1.04%11.86%26.48%27.57%45.62%11.47%-39 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.18%2.14%2.04%2.20%3.07%3.37%28.35%11.88%+968 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a8.76%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a8.76%n/an/a
Liquidity & Funding
Loans / Shares102.29%102.82%109.05%98.20%106.66%101.04%83.42%96.15%-205 bps
Liquid Assets / Assets3.20%11.68%2.54%2.49%2.54%0.00%28.91%19.61%+1,713 bps