PackageTrendsPeer
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Carbide Carbon N F

Niagara Falls, NY · Charter 11661

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 2026-10-10

Carbide Carbon N F

Niagara Falls, NY · Charter 11661

Q4 1999

$3.5MAssets
$1.5MLoans
$3.0MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.08%, down 414 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 1.15% of loans (+106 bps YoY).
  • Funding: loans stand at 50.17% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

0.08%-414 bps YoY

Net Interest Margin (YTD, annualized)

3.27%
n/a

Efficiency Ratio (YTD, annualized)

97.45%
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 Assets3.89%3.95%4.15%4.22%3.96%4.20%3.06%0.08%-414 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a3.27%n/an/a
Efficiency Ration/an/an/an/an/an/an/a97.45%n/an/a
Growth
Asset Growth (YoY)-0.56%-5.38%-6.78%-7.10%-4.48%-1.61%3.44%0.64%+775 bps
Loan Growth (YoY)12.40%6.20%11.57%17.00%6.09%6.29%-3.54%-9.66%-2,666 bps
Share Growth (YoY)-1.43%-6.61%-8.46%-9.12%-6.23%-3.52%2.49%-0.17%+894 bps
Asset Quality
Delinquent Loans / Loans1.21%0.36%0.29%0.09%0.91%0.92%0.65%1.15%+106 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.02%1.21%1.27%1.71%1.54%1.01%1.16%1.34%-37 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 / Shares46.30%48.52%55.40%55.44%52.38%53.46%52.14%50.17%-527 bps
Liquid Assets / Assets18.32%29.92%23.30%16.85%18.35%48.87%50.94%48.70%+3,185 bps