PackageTrendsPeer
Letter portraitLegal landscape

Greenville Corning Employees

Greenville, OH · Charter 13116

Q4 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: Q4 2001, the quarter ended December 31, 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

Greenville Corning Employees

Greenville, OH · Charter 13116

Q4 2001

$2.9MAssets
$1.8MLoans
$2.3MShares
$612KNet Worth

Executive Summary

  • Earnings: ROA of 0.11%, up 55 bps year over year; NIM at 4.99%.
  • Asset quality: problem loans at 0.71% of loans (-48 bps YoY).
  • Capital: net worth / assets of 20.85%.
  • Funding: loans stand at 78.75% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.11%+55 bps YoY

Net Interest Margin (YTD, annualized)

4.99%-3 bps YoY

Efficiency Ratio (YTD, annualized)

91.77%-195 bps YoY

Net Worth / Assets

20.85%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets2.80%3.34%2.06%-0.44%0.45%0.62%1.20%0.11%+55 bps
Return on Equityn/an/an/an/an/a3.29%6.62%0.52%n/a
Net Interest Marginn/an/an/a5.02%4.56%5.91%4.85%4.99%-3 bps
Efficiency Ration/an/an/a93.72%89.96%88.32%77.54%91.77%-195 bps
Growth
Asset Growth (YoY)-0.41%0.51%2.31%-0.39%2.05%-5.64%-5.45%-12.30%-1,191 bps
Loan Growth (YoY)-13.88%-13.91%-17.58%-20.28%-5.88%-3.57%-2.95%-8.90%+1,137 bps
Share Growth (YoY)-1.79%-0.80%4.90%-0.38%2.39%-7.36%-8.94%-16.60%-1,622 bps
Asset Quality
Delinquent Loans / Loans1.28%0.40%0.98%1.19%0.75%1.08%0.53%0.71%-48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.47%0.66%1.36%1.10%1.00%1.11%0.89%1.02%-8 bps
Capital
Risk-Based Capitaln/an/an/an/an/a18.93%18.16%20.85%n/a
Net Worth / Assetsn/an/an/an/an/a18.93%18.16%20.85%n/a
Liquidity & Funding
Loans / Shares66.86%74.82%67.00%72.10%61.46%77.88%71.40%78.75%+665 bps
Liquid Assets / Assets30.25%29.06%31.23%31.39%42.77%34.62%39.71%34.47%+308 bps