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Cytec Employees

Stamford, CT · Charter 12653

Q2 2001

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: Q2 2001, the quarter ended June 30, 2001, 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

Cytec Employees

Stamford, CT · Charter 12653

Q2 2001

$3.3MAssets
$2.0MLoans
$2.9MShares
$457KNet Worth

Executive Summary

  • Earnings: ROA of -1.17%, down 246 bps year over year; NIM at 6.18%.
  • Asset quality: problem loans at 1.95% of loans (-75 bps YoY).
  • Capital: net worth / assets of 13.72%.
  • Funding: loans stand at 68.64% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

-1.17%-246 bps YoY

Net Interest Margin (YTD, annualized)

6.18%

Efficiency Ratio (YTD, annualized)

89.16%

Net Worth / Assets

13.72%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets2.41%2.38%2.32%1.28%-0.80%0.30%-1.29%-1.17%-246 bps
Return on Equityn/an/an/an/an/an/a-9.38%-8.56%n/a
Net Interest Marginn/an/an/an/a6.24%5.95%6.41%6.18%n/a
Efficiency Ration/an/an/an/a106.39%79.48%91.37%89.16%n/a
Growth
Asset Growth (YoY)59.16%57.63%51.22%60.53%-17.96%-18.84%-23.52%-23.21%-8,374 bps
Loan Growth (YoY)86.08%102.39%63.09%46.76%-3.23%-12.30%-10.98%-23.13%-6,989 bps
Share Growth (YoY)49.55%48.36%42.11%52.71%-19.51%-21.03%-25.04%-23.85%-7,655 bps
Asset Quality
Delinquent Loans / Loans2.26%1.68%1.35%2.70%3.69%3.32%3.92%1.95%-75 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.21%1.37%1.32%1.61%1.94%1.55%1.77%2.29%+68 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a13.75%13.72%n/a
Net Worth / Assetsn/an/an/an/an/an/a13.75%13.72%n/a
Liquidity & Funding
Loans / Shares62.99%65.48%66.43%68.00%75.73%72.72%78.89%68.64%+64 bps
Liquid Assets / Assets32.03%29.89%31.73%28.74%26.89%17.37%29.79%39.49%+1,075 bps