PackageTrendsPeer
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Schottenstein/Value City Associates

Columbus, OH · Charter 20925

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

Schottenstein/Value City Associates

Columbus, OH · Charter 20925

Q4 2001

$3.4MAssets
$1.5MLoans
$2.8MShares
$531KNet Worth

Executive Summary

  • Earnings: ROA of 0.46%, down 37 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 2.72% of loans (+203 bps YoY).
  • Capital: net worth / assets of 15.82%.
  • Funding: loans stand at 53.59% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.46%-37 bps YoY

Net Interest Margin (YTD, annualized)

3.20%+65 bps YoY

Efficiency Ratio (YTD, annualized)

61.11%-483 bps YoY

Net Worth / Assets

15.82%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.86%4.39%3.55%0.82%1.14%1.02%1.00%0.46%-37 bps
Return on Equityn/an/an/an/an/a6.51%7.05%2.89%n/a
Net Interest Marginn/an/an/a2.55%3.00%3.48%3.22%3.20%+65 bps
Efficiency Ration/an/an/a65.94%49.90%50.55%49.97%61.11%-483 bps
Growth
Asset Growth (YoY)14.40%10.71%13.05%12.27%12.91%17.94%15.25%13.91%+164 bps
Loan Growth (YoY)-23.07%-19.78%-13.26%31.40%90.59%188.60%180.08%85.35%+5,396 bps
Share Growth (YoY)13.95%9.78%12.26%12.28%12.67%18.96%15.94%14.64%+236 bps
Asset Quality
Delinquent Loans / Loans1.30%2.13%1.53%0.69%0.75%1.44%1.11%2.72%+203 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.54%1.75%2.00%1.34%1.86%2.04%2.02%2.25%+90 bps
Capital
Risk-Based Capitaln/an/an/an/an/a15.65%14.14%15.82%n/a
Net Worth / Assetsn/an/an/an/an/a15.65%14.14%15.82%n/a
Liquidity & Funding
Loans / Shares20.50%23.02%20.40%33.15%34.68%55.85%49.28%53.59%+2,045 bps
Liquid Assets / Assets81.15%79.93%75.24%63.10%62.38%51.17%57.00%53.96%-914 bps