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Rca Mountaintop

Mountaintop, PA · Charter 20678

Q2 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: Q2 2001, the quarter ended June 30, 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

Rca Mountaintop

Mountaintop, PA · Charter 20678

Q2 2001

$3.4MAssets
$1.4MLoans
$2.9MShares
$336KNet Worth

Executive Summary

  • Earnings: ROA of -23.82%, down 2,614 bps year over year; NIM at -10.42%.
  • Asset quality: problem loans at 2.85% of loans (+274 bps YoY).
  • Capital: net worth / assets of 9.81%.
  • Funding: loans stand at 46.72% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

-23.82%-2,614 bps YoY

Net Interest Margin (YTD, annualized)

-10.42%

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

9.81%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets2.75%3.37%2.89%2.32%0.33%-0.36%-0.17%-23.82%-2,614 bps
Return on Equityn/an/an/an/an/an/a-0.79%-243%n/a
Net Interest Marginn/an/an/an/a5.00%4.36%5.09%-10.42%n/a
Efficiency Ration/an/an/an/a93.38%108.21%103.25%n/an/a
Growth
Asset Growth (YoY)8.60%0.02%4.83%-5.30%-16.43%-10.94%-17.46%-17.79%-1,249 bps
Loan Growth (YoY)6.71%-3.77%-7.47%-17.11%-23.37%-9.52%2.16%-0.40%+1,671 bps
Share Growth (YoY)8.46%-1.41%4.21%-7.86%-20.40%-13.79%-21.51%-15.46%-759 bps
Asset Quality
Delinquent Loans / Loans0.00%1.93%5.01%0.11%0.16%0.34%0.16%2.85%+274 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.47%1.63%1.87%1.97%1.92%1.80%1.62%6.83%+486 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a21.02%9.81%n/a
Net Worth / Assetsn/an/an/an/an/an/a21.02%9.81%n/a
Liquidity & Funding
Loans / Shares48.93%45.00%40.12%39.66%47.10%47.24%52.21%46.72%+706 bps
Liquid Assets / Assets51.07%51.25%6.21%6.46%30.96%25.96%37.29%25.30%+1,884 bps