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St. Julie Billiart

Hamilton, OH · Charter 7527

Q3 2013

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 2013, the quarter ended September 30, 2013, 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. Julie Billiart

Hamilton, OH · Charter 7527

Q3 2013

$948KAssets
$366KLoans
$790KShares
$154KNet Worth

Executive Summary

  • Earnings: ROA of -0.63%, down 52 bps year over year; NIM at 1.45%.
  • Asset quality: problem loans at 0.00% of loans (-46 bps YoY).
  • Capital: net worth / assets of 16.29%, up 14 bps from a year ago.
  • Funding: loans stand at 46.41% of shares as of Q3 2013.

Return on Assets (YTD, annualized)

-0.63%-52 bps YoY

Net Interest Margin (YTD, annualized)

1.45%-49 bps YoY

Efficiency Ratio (YTD, annualized)

143.56%+3,779 bps YoY

Net Worth / Assets

16.29%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.35%0.31%0.13%-0.11%-0.10%-0.60%-0.58%-0.63%-52 bps
Return on Equity2.22%1.99%0.85%-0.70%-0.58%-3.75%-3.58%-3.88%-319 bps
Net Interest Margin2.23%2.23%1.94%1.93%1.92%1.44%1.42%1.45%-49 bps
Efficiency Ratio84.44%86.07%93.30%105.77%104.95%141.43%140.27%143.56%+3,779 bps
Growth
Asset Growth (YoY)-2.43%-3.26%-2.00%-5.18%-5.68%-4.26%-5.78%-3.70%+148 bps
Loan Growth (YoY)-11.38%-21.45%10.51%38.82%34.12%31.10%-5.17%-22.35%-6,117 bps
Share Growth (YoY)-2.75%-3.87%-2.29%-6.01%-6.65%-4.68%-6.31%-3.87%+214 bps
Asset Quality
Delinquent Loans / Loans0.67%0.69%0.51%0.46%1.86%0.00%0.00%0.00%-46 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.34%2.41%1.77%1.61%1.24%1.45%1.48%1.64%+3 bps
Capital
Risk-Based Capital15.63%15.71%15.55%16.15%16.47%16.09%16.05%16.29%+14 bps
Net Worth / Assets15.63%15.71%15.55%16.15%16.47%16.09%16.05%16.29%+14 bps
Liquidity & Funding
Loans / Shares37.80%36.71%49.36%57.45%54.30%50.50%49.96%46.41%-1,105 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps