PackageTrendsPeer
Letter portraitLegal landscape

Vile-Goller

Kansas City, KS · Charter 14780

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

Vile-Goller

Kansas City, KS · Charter 14780

Q4 1999

$552KAssets
$482KLoans
$424KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -0.85%, down 38 bps year over year; NIM at 6.03%.
  • Asset quality: problem loans at 9.02% of loans (-395 bps YoY).
  • Funding: loans stand at 113.82% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

-0.85%-38 bps YoY

Net Interest Margin (YTD, annualized)

6.03%
n/a

Efficiency Ratio (YTD, annualized)

113.89%
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 Assets3.03%3.44%-5.47%-0.47%3.21%2.31%1.53%-0.85%-38 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a6.03%n/an/a
Efficiency Ration/an/an/an/an/an/an/a113.89%n/an/a
Growth
Asset Growth (YoY)-33.35%-36.90%-26.05%7.37%-26.16%-13.04%-16.29%-38.34%-4,572 bps
Loan Growth (YoY)-17.96%-13.61%5.67%-0.25%-9.80%-8.68%-28.99%-26.09%-2,584 bps
Share Growth (YoY)-38.07%-40.98%-32.67%11.40%-29.11%-11.86%-13.87%-44.59%-5,600 bps
Asset Quality
Delinquent Loans / Loans16.04%14.94%8.96%12.97%5.45%4.55%6.73%9.02%-395 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans3.52%3.52%6.04%6.93%7.83%3.94%5.46%5.79%-114 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 / Shares91.99%113.40%125.30%85.33%117.04%117.49%103.32%113.82%+2,849 bps
Liquid Assets / Assets15.83%8.05%7.05%29.33%8.12%8.14%15.01%9.06%-2,027 bps