PackageTrendsPeer
Letter portraitLegal landscape

Weirton City Employees

Weirton, WV · Charter 20304

Q4 2000

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 2000, the quarter ended December 31, 2000, 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

Weirton City Employees

Weirton, WV · Charter 20304

Q4 2000

$200KAssets
$202KLoans
$223KShares
$-23KNet Worth

Executive Summary

  • Earnings: ROA of -17.32%, down 1,220 bps year over year; NIM at 11.39%.
  • Asset quality: problem loans at 12.31% of loans (-295 bps YoY).
  • Capital: net worth / assets of -11.51%.
  • Funding: loans stand at 90.50% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

-17.32%-1,220 bps YoY

Net Interest Margin (YTD, annualized)

11.39%

Efficiency Ratio (YTD, annualized)

102.71%

Net Worth / Assets

-11.51%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets2.50%3.62%1.95%-5.12%3.72%0.10%-13.97%-17.32%-1,220 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a10.48%10.42%11.39%n/a
Efficiency Ration/an/an/an/an/a97.34%100.34%102.71%n/a
Growth
Asset Growth (YoY)22.80%17.50%12.90%-4.30%1.90%-0.48%-7.30%-23.53%-1,923 bps
Loan Growth (YoY)18.57%25.02%10.55%11.48%9.84%-3.75%-8.49%-26.35%-3,783 bps
Share Growth (YoY)6.16%23.52%12.67%11.18%24.19%12.10%13.11%-5.45%-1,662 bps
Asset Quality
Delinquent Loans / Loans4.35%11.40%8.88%15.25%13.71%19.53%25.28%12.31%-295 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.25%2.21%2.21%8.38%8.51%8.31%16.28%11.03%+265 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a-11.51%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a-11.51%n/an/a
Liquidity & Funding
Loans / Shares115.87%115.67%112.46%116.19%102.49%99.31%90.98%90.50%-2,568 bps
Liquid Assets / Assets10.40%1.56%1.19%0.63%4.83%0.39%0.00%7.98%+735 bps