PackageTrendsPeer
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U. S. Civil Service

Pittsburg, KS · Charter 67832

Q2 2001

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 2001, the quarter ended June 30, 2001, 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

U. S. Civil Service

Pittsburg, KS · Charter 67832

Q2 2001

$895KAssets
$778KLoans
$837KShares
$52KNet Worth

Executive Summary

  • Earnings: ROA of -0.12%, down 392 bps year over year; NIM at 5.11%.
  • Asset quality: problem loans at 0.00% of loans (-730 bps YoY).
  • Capital: net worth / assets of 5.87%.
  • Funding: loans stand at 92.91% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

-0.12%-392 bps YoY

Net Interest Margin (YTD, annualized)

5.11%

Efficiency Ratio (YTD, annualized)

102.15%

Net Worth / Assets

5.87%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets-10.22%1.74%-5.84%3.80%3.28%0.72%0.45%-0.12%-392 bps
Return on Equityn/an/an/an/an/an/a8.82%-2.03%n/a
Net Interest Marginn/an/an/an/a5.79%5.87%5.65%5.11%n/a
Efficiency Ration/an/an/an/a67.33%88.62%92.63%102.15%n/a
Growth
Asset Growth (YoY)-28.62%-25.13%-26.34%-22.04%-7.70%0.70%1.45%-4.13%+1,791 bps
Loan Growth (YoY)-17.71%-25.72%-27.73%-32.10%-10.66%19.72%22.00%21.61%+5,372 bps
Share Growth (YoY)-20.94%-22.97%-18.27%-13.24%-11.71%4.67%-2.27%-8.11%+513 bps
Asset Quality
Delinquent Loans / Loans6.73%19.40%21.97%7.30%6.18%5.25%0.00%0.00%-730 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans13.08%14.97%18.57%7.55%7.47%6.27%0.88%0.48%-708 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a5.12%5.87%n/a
Net Worth / Assetsn/an/an/an/an/an/a5.12%5.87%n/a
Liquidity & Funding
Loans / Shares84.87%82.69%76.20%70.20%85.88%94.57%95.13%92.91%+2,271 bps
Liquid Assets / Assets18.75%22.92%34.22%28.89%0.00%0.00%7.78%10.52%-1,836 bps