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St. Pius Tenth

Aurora, CO · Charter 9854

Q3 2002

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 2002, the quarter ended September 30, 2002, 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. Pius Tenth

Aurora, CO · Charter 9854

Q3 2002

$2.2MAssets
$2.7MLoans
$2.8MShares
$-604KNet Worth

Executive Summary

  • Earnings: ROA of -50.57%, down 5,097 bps year over year; NIM at 8.85%.
  • Asset quality: problem loans at 20.14% of loans (+1,959 bps YoY).
  • Capital: net worth / assets of -27.60%, down 3,516 bps from a year ago.
  • Funding: loans stand at 95.41% of shares as of Q3 2002.

Return on Assets (YTD, annualized)

-50.57%-5,097 bps YoY

Net Interest Margin (YTD, annualized)

8.85%+364 bps YoY

Efficiency Ratio (YTD, annualized)

91.35%-139 bps YoY

Net Worth / Assets

-27.60%-3,516 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets1.57%-1.72%-0.38%0.40%0.66%1.13%1.43%-50.57%-5,097 bps
Return on Equityn/an/an/a5.32%9.29%14.48%18.16%n/an/a
Net Interest Marginn/a4.19%4.83%5.21%5.51%6.28%6.84%8.85%+364 bps
Efficiency Ration/a124.19%107.74%92.74%87.22%77.65%77.01%91.35%-139 bps
Growth
Asset Growth (YoY)23.93%28.15%51.75%61.95%43.19%36.48%32.24%-14.35%-7,630 bps
Loan Growth (YoY)55.81%39.92%85.72%94.00%90.17%76.58%40.05%15.45%-7,854 bps
Share Growth (YoY)25.39%32.87%59.58%72.69%47.93%38.46%34.28%19.65%-5,304 bps
Asset Quality
Delinquent Loans / Loans1.00%1.24%1.06%0.55%5.27%6.77%9.50%20.14%+1,959 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.22%1.17%0.90%0.79%0.78%0.80%0.93%30.63%+2,984 bps
Capital
Risk-Based Capitaln/an/an/a7.56%7.11%7.79%7.89%-27.60%-3,516 bps
Net Worth / Assetsn/an/an/a7.56%7.11%7.79%7.89%-27.60%-3,516 bps
Liquidity & Funding
Loans / Shares77.64%81.38%94.81%98.88%99.80%103.78%98.89%95.41%-347 bps
Liquid Assets / Assets18.80%2.45%0.13%6.94%6.78%2.15%6.79%10.22%+329 bps