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Unified Singers

Thomasville, GA · Charter 18570

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

Unified Singers

Thomasville, GA · Charter 18570

Q4 2001

$1.3MAssets
$1.2MLoans
$995KShares
$326KNet Worth

Executive Summary

  • Earnings: ROA of 1.11%, down 46 bps year over year; NIM at 6.23%.
  • Asset quality: problem loans at 2.38% of loans (+138 bps YoY).
  • Capital: net worth / assets of 24.30%.
  • Funding: loans stand at 120.20% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

1.11%-46 bps YoY

Net Interest Margin (YTD, annualized)

6.23%+44 bps YoY

Efficiency Ratio (YTD, annualized)

82.31%+467 bps YoY

Net Worth / Assets

24.30%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets5.27%5.18%4.34%1.56%1.96%2.36%1.78%1.11%-46 bps
Return on Equityn/an/an/an/an/a11.78%8.19%4.55%n/a
Net Interest Marginn/an/an/a5.79%5.70%5.64%7.20%6.23%+44 bps
Efficiency Ration/an/an/a77.65%65.87%53.71%75.69%82.31%+467 bps
Growth
Asset Growth (YoY)29.65%54.73%47.59%71.04%78.72%36.85%31.07%7.30%-6,373 bps
Loan Growth (YoY)22.12%27.13%29.60%48.25%53.88%30.25%35.13%14.42%-3,383 bps
Share Growth (YoY)28.16%55.11%29.63%58.12%70.60%24.41%37.88%3.01%-5,511 bps
Asset Quality
Delinquent Loans / Loans0.49%0.90%1.40%0.99%1.31%2.41%1.91%2.38%+138 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.60%0.54%0.53%0.57%0.50%0.88%0.83%0.22%-35 bps
Capital
Risk-Based Capitaln/an/an/an/an/a20.04%21.77%24.30%n/a
Net Worth / Assetsn/an/an/an/an/a20.04%21.77%24.30%n/a
Liquidity & Funding
Loans / Shares108.35%91.11%108.81%108.21%97.73%95.38%106.64%120.20%+1,199 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%23.92%16.54%9.66%+966 bps