PackageTrendsPeer
Letter portraitLegal landscape

Clover Club Employees

Kaysville, UT · Charter 11081

Q4 1999

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 1999, the quarter ended December 31, 1999, 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

Clover Club Employees

Kaysville, UT · Charter 11081

Q4 1999

$2.1MAssets
$1.6MLoans
$1.7MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.26%, down 379 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 2.73% of loans (+14 bps YoY).
  • Funding: loans stand at 91.17% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

0.26%-379 bps YoY

Net Interest Margin (YTD, annualized)

3.68%
n/a

Efficiency Ratio (YTD, annualized)

93.42%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.15%4.56%4.14%4.05%4.47%3.95%3.16%0.26%-379 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a3.68%n/an/a
Efficiency Ration/an/an/an/an/an/an/a93.42%n/an/a
Growth
Asset Growth (YoY)-12.88%-11.80%-0.53%-0.89%-6.52%5.80%8.21%0.39%+128 bps
Loan Growth (YoY)27.01%11.23%0.16%-0.28%-16.48%-16.37%-8.14%-5.17%-488 bps
Share Growth (YoY)-16.32%-15.39%-2.82%-3.97%-9.73%3.95%8.38%-0.49%+349 bps
Asset Quality
Delinquent Loans / Loans0.97%1.46%1.53%2.59%1.49%2.09%1.56%2.73%+14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.34%2.16%2.12%1.23%1.10%1.04%1.25%0.95%-28 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares97.58%108.79%99.90%95.67%90.29%87.53%84.67%91.17%-450 bps
Liquid Assets / Assets14.35%5.79%12.45%17.33%20.63%21.38%23.35%19.13%+180 bps