PackageTrendsPeer
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Church Home and Hospital

Baltimore, MD · Charter 21055

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

Church Home and Hospital

Baltimore, MD · Charter 21055

Q4 1999

$288KAssets
$99KLoans
$213KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -13.30%, down 1,628 bps year over year; NIM at 7.24%.
  • Asset quality: problem loans at 4.33% of loans (+167 bps YoY).
  • Funding: loans stand at 46.55% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

-13.30%-1,628 bps YoY

Net Interest Margin (YTD, annualized)

7.24%
n/a

Efficiency Ratio (YTD, annualized)

167.36%
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 Assets2.54%2.82%2.19%2.99%1.32%0.95%-6.26%-13.30%-1,628 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a7.24%n/an/a
Efficiency Ration/an/an/an/an/an/an/a167.36%n/an/a
Growth
Asset Growth (YoY)-8.90%-7.21%-7.31%-7.53%-14.38%-12.79%-23.10%-56.66%-4,913 bps
Loan Growth (YoY)-13.17%-14.43%-37.37%-30.59%-16.88%-7.59%-0.35%-39.27%-868 bps
Share Growth (YoY)-10.51%-8.72%-8.80%-20.44%-16.21%-14.22%-22.09%-56.24%-3,580 bps
Asset Quality
Delinquent Loans / Loans0.52%1.38%11.25%2.65%1.67%1.71%2.82%4.33%+167 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.74%1.97%2.49%2.42%2.17%2.14%7.73%12.86%+1,044 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 / Shares32.87%34.79%23.47%33.54%32.61%37.47%30.02%46.55%+1,301 bps
Liquid Assets / Assets62.98%59.79%71.62%63.06%62.21%66.46%62.25%64.83%+177 bps