PackageTrendsPeer
Letter portraitLegal landscape

Link Employees

Salem, IN · Charter 11692

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

Link Employees

Salem, IN · Charter 11692

Q4 1999

$98KAssets
$24KLoans
$87KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -13.91%, down 2,115 bps year over year; NIM at 2.11%.
  • Asset quality: problem loans at 25.32% of loans (+1,559 bps YoY).
  • Funding: loans stand at 28.07% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

-13.91%-2,115 bps YoY

Net Interest Margin (YTD, annualized)

2.11%
n/a

Efficiency Ratio (YTD, annualized)

78.24%
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 Assets7.29%6.06%4.41%7.23%1.26%3.27%4.12%-13.91%-2,115 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a2.11%n/an/a
Efficiency Ration/an/an/an/an/an/an/a78.24%n/an/a
Growth
Asset Growth (YoY)5.94%6.76%4.68%-7.44%-15.39%-12.85%0.31%-8.06%-62 bps
Loan Growth (YoY)57.37%64.25%40.99%-4.69%-24.76%-26.14%-36.98%-65.48%-6,079 bps
Share Growth (YoY)4.25%1.10%2.30%-11.32%-16.84%-14.11%0.14%3.88%+1,520 bps
Asset Quality
Delinquent Loans / Loans5.08%2.51%9.33%9.73%17.77%18.08%24.91%25.32%+1,559 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans3.29%4.70%5.22%5.38%8.61%10.10%1.87%29.39%+2,402 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 / Shares76.90%74.24%81.08%84.46%69.57%63.85%51.03%28.07%-5,640 bps
Liquid Assets / Assets16.14%33.15%36.23%28.43%24.63%48.36%40.21%44.87%+1,645 bps