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T F C

Warren, PA · Charter 16031

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

T F C

Warren, PA · Charter 16031

Q2 2001

$631KAssets
$182KLoans
$523KShares
$101KNet Worth

Executive Summary

  • Earnings: ROA of 0.18%, down 291 bps year over year; NIM at 2.53%.
  • Asset quality: problem loans at 0.00% of loans (-127 bps YoY).
  • Capital: net worth / assets of 16.03%.
  • Funding: loans stand at 34.86% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

0.18%-291 bps YoY

Net Interest Margin (YTD, annualized)

2.53%

Efficiency Ratio (YTD, annualized)

94.25%

Net Worth / Assets

16.03%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets5.04%3.55%4.25%3.09%0.01%-0.45%-0.77%0.18%-291 bps
Return on Equityn/an/an/an/an/an/a-4.84%1.13%n/a
Net Interest Marginn/an/an/an/a2.42%1.61%2.45%2.53%n/a
Efficiency Ration/an/an/an/a88.60%122.42%87.69%94.25%n/a
Growth
Asset Growth (YoY)26.15%14.83%19.89%16.71%23.47%22.66%14.45%-1.18%-1,789 bps
Loan Growth (YoY)13.36%-8.16%-18.85%-4.14%-3.33%-5.92%-11.16%-25.44%-2,129 bps
Share Growth (YoY)24.09%12.66%19.90%17.66%26.36%25.59%17.79%-1.55%-1,920 bps
Asset Quality
Delinquent Loans / Loans0.00%1.72%1.62%1.27%1.59%2.20%0.00%0.00%-127 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.51%0.55%0.54%1.32%1.38%1.53%0.32%0.00%-132 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a15.96%16.03%n/a
Net Worth / Assetsn/an/an/an/an/an/a15.96%16.03%n/a
Liquidity & Funding
Loans / Shares58.55%48.74%51.94%46.02%44.80%36.51%39.18%34.86%-1,117 bps
Liquid Assets / Assets20.26%36.81%38.88%34.11%34.93%32.71%66.78%69.44%+3,533 bps