PackageTrendsPeer
Letter portraitLegal landscape

Canaan Baptist Church

New York, NY · Charter 20146

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

Canaan Baptist Church

New York, NY · Charter 20146

Q4 2001

$375KAssets
$132KLoans
$372KShares
$-7KNet Worth

Executive Summary

  • Earnings: ROA of -13.13%, down 1,602 bps year over year; NIM at 5.91%.
  • Asset quality: problem loans at 42.51% of loans (+1,341 bps YoY).
  • Capital: net worth / assets of -1.77%.
  • Funding: loans stand at 35.56% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-13.13%-1,602 bps YoY

Net Interest Margin (YTD, annualized)

5.91%-222 bps YoY

Efficiency Ratio (YTD, annualized)

251%+17,740 bps YoY

Net Worth / Assets

-1.77%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets4.62%2.30%0.81%2.89%3.60%3.39%1.53%-13.13%-1,602 bps
Return on Equityn/an/an/an/an/a34.66%14.93%n/an/a
Net Interest Marginn/an/an/a8.12%6.73%7.76%4.05%5.91%-222 bps
Efficiency Ration/an/an/a73.28%48.93%58.09%63.31%251%+17,740 bps
Growth
Asset Growth (YoY)3.09%-0.04%0.53%-4.35%-1.80%-12.97%-14.87%-17.13%-1,278 bps
Loan Growth (YoY)86.09%20.22%77.57%13.98%4.25%-14.07%-51.28%-48.60%-6,258 bps
Share Growth (YoY)-3.25%-3.40%-4.31%-5.46%-3.36%-9.16%-12.18%-6.02%-57 bps
Asset Quality
Delinquent Loans / Loans8.35%8.28%16.47%29.10%21.69%5.45%37.21%42.51%+1,341 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.01%0.01%3.39%4.45%5.89%6.98%8.17%35.64%+3,119 bps
Capital
Risk-Based Capitaln/an/an/an/an/a9.78%10.25%-1.77%n/a
Net Worth / Assetsn/an/an/an/an/a9.78%10.25%-1.77%n/a
Liquidity & Funding
Loans / Shares51.39%51.62%73.23%65.02%55.44%48.82%40.63%35.56%-2,946 bps
Liquid Assets / Assets35.43%35.29%20.44%42.25%29.68%55.09%64.08%74.27%+3,201 bps