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St. Margaret

St. Louis, MO · Charter 67945

Q3 2010

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 2010, the quarter ended September 30, 2010, 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. Margaret

St. Louis, MO · Charter 67945

Q3 2010

$415KAssets
$163KLoans
$381KShares
$33KNet Worth

Executive Summary

  • Earnings: ROA of -2.46%, down 283 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 13.27% of loans (-112 bps YoY).
  • Capital: net worth / assets of 7.96%, down 63 bps from a year ago.
  • Funding: loans stand at 42.85% of shares as of Q3 2010.

Return on Assets (YTD, annualized)

-2.46%-283 bps YoY

Net Interest Margin (YTD, annualized)

3.22%-146 bps YoY

Efficiency Ratio (YTD, annualized)

187.40%+10,067 bps YoY

Net Worth / Assets

7.96%-63 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets0.39%-3.20%1.54%0.37%3.49%0.34%-1.21%-2.46%-283 bps
Return on Equity2.77%-34.31%17.02%4.33%36.71%3.54%-12.88%-30.89%-3,522 bps
Net Interest Margin5.57%4.56%4.74%4.68%3.87%4.21%3.17%3.22%-146 bps
Efficiency Ratio93.11%88.82%72.90%86.73%0.00%87.83%136.21%187.40%+10,067 bps
Growth
Asset Growth (YoY)1.35%8.72%12.12%11.80%10.06%0.65%-4.25%-8.04%-1,984 bps
Loan Growth (YoY)-12.44%-3.26%-3.58%11.99%12.25%-1.92%-17.14%-36.72%-4,871 bps
Share Growth (YoY)2.03%15.56%19.01%18.21%17.21%1.00%-3.68%-6.75%-2,496 bps
Asset Quality
Delinquent Loans / Loans20.30%14.19%0.00%14.39%0.00%19.63%24.72%13.27%-112 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans6.82%13.53%11.47%11.67%12.29%9.30%10.91%11.92%+25 bps
Capital
Risk-Based Capital14.21%9.32%9.03%8.59%9.50%9.51%9.40%7.96%-63 bps
Net Worth / Assets14.21%9.32%9.03%8.59%9.50%9.51%9.40%7.96%-63 bps
Liquidity & Funding
Loans / Shares66.11%62.31%61.71%63.14%63.31%60.51%53.08%42.85%-2,029 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps