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Capital City

Columbus, OH · Charter 19262

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

Capital City

Columbus, OH · Charter 19262

Q4 1999

$677KAssets
$493KLoans
$706KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -7.96%, down 1,076 bps year over year; NIM at 8.31%.
  • Asset quality: problem loans at 20.56% of loans (+1,232 bps YoY).
  • Funding: loans stand at 69.92% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

-7.96%-1,076 bps YoY

Net Interest Margin (YTD, annualized)

8.31%
n/a

Efficiency Ratio (YTD, annualized)

89.18%
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 Assets2.24%2.33%1.87%2.80%3.17%3.30%4.01%-7.96%-1,076 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a8.31%n/an/a
Efficiency Ration/an/an/an/an/an/an/a89.18%n/an/a
Growth
Asset Growth (YoY)-4.58%8.66%10.64%-0.08%-7.51%0.19%2.60%-5.41%-533 bps
Loan Growth (YoY)1.41%-5.81%-2.40%13.71%9.27%3.90%-0.81%-20.49%-3,420 bps
Share Growth (YoY)-4.21%9.64%13.73%1.12%-7.90%-1.56%2.64%2.92%+180 bps
Asset Quality
Delinquent Loans / Loans6.40%5.74%3.71%8.23%11.65%10.40%12.00%20.56%+1,232 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans8.41%7.15%5.97%4.32%3.79%3.07%7.04%20.02%+1,570 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 / Shares72.79%75.92%75.56%90.50%86.36%80.12%73.02%69.92%-2,058 bps
Liquid Assets / Assets26.57%24.65%23.64%5.99%4.90%6.49%23.06%0.00%-599 bps