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Local 648 Hamilton

Hamilton, OH · Charter 16080

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

Local 648 Hamilton

Hamilton, OH · Charter 16080

Q4 2001

$754KAssets
$535KLoans
$649KShares
$103KNet Worth

Executive Summary

  • Earnings: ROA of 0.04%, down 9 bps year over year; NIM at 5.79%.
  • Asset quality: problem loans at 5.06% of loans (+120 bps YoY).
  • Capital: net worth / assets of 13.61%.
  • Funding: loans stand at 82.49% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.04%-9 bps YoY

Net Interest Margin (YTD, annualized)

5.79%-95 bps YoY

Efficiency Ratio (YTD, annualized)

99.36%+127 bps YoY

Net Worth / Assets

13.61%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.12%1.11%0.84%0.13%0.19%0.12%0.17%0.04%-9 bps
Return on Equityn/an/an/an/an/a0.83%1.16%0.27%n/a
Net Interest Marginn/an/an/a6.73%5.97%6.39%6.01%5.79%-95 bps
Efficiency Ration/an/an/a98.09%96.76%98.16%97.26%99.36%+127 bps
Growth
Asset Growth (YoY)16.03%0.36%2.66%-8.15%-8.83%-6.43%-7.62%5.37%+1,353 bps
Loan Growth (YoY)19.17%-2.41%-2.78%-1.51%-16.06%-1.44%-0.32%-7.06%-555 bps
Share Growth (YoY)18.94%0.83%4.03%-9.06%-10.04%-7.66%-8.98%6.16%+1,522 bps
Asset Quality
Delinquent Loans / Loans3.81%5.36%2.26%3.86%4.78%3.62%3.94%5.06%+120 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.43%1.26%0.91%0.93%1.04%1.02%0.64%0.74%-19 bps
Capital
Risk-Based Capitaln/an/an/an/an/a14.32%14.30%13.61%n/a
Net Worth / Assetsn/an/an/an/an/a14.32%14.30%13.61%n/a
Liquidity & Funding
Loans / Shares86.61%89.79%85.06%94.23%80.81%95.84%93.15%82.49%-1,174 bps
Liquid Assets / Assets15.15%14.05%20.48%15.67%21.82%17.82%19.74%28.03%+1,236 bps