PackageTrendsPeer
Letter portraitLegal landscape

Atlantic Aviation Employees

Wilmington, DE · Charter 21323

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

Atlantic Aviation Employees

Wilmington, DE · Charter 21323

Q4 2000

$311KAssets
$144KLoans
$269KShares
$39KNet Worth

Executive Summary

  • Earnings: ROA of -1.70%, down 147 bps year over year; NIM at 7.49%.
  • Asset quality: problem loans at 15.01% of loans (+1,049 bps YoY).
  • Capital: net worth / assets of 12.64%.
  • Funding: loans stand at 53.40% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

-1.70%-147 bps YoY

Net Interest Margin (YTD, annualized)

7.49%

Efficiency Ratio (YTD, annualized)

92.64%

Net Worth / Assets

12.64%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets2.38%2.22%1.47%-0.23%0.78%-2.53%-3.07%-1.70%-147 bps
Return on Equityn/an/an/an/an/an/an/a-13.47%n/an/a
Net Interest Marginn/an/an/an/an/a5.01%6.58%7.49%n/a
Efficiency Ration/an/an/an/an/a122.48%87.59%92.64%n/a
Growth
Asset Growth (YoY)-6.50%-10.92%3.08%-8.86%1.96%4.41%-17.19%-13.92%-506 bps
Loan Growth (YoY)-6.09%-2.72%5.37%-3.38%-38.83%-43.64%-46.96%-47.93%-4,455 bps
Share Growth (YoY)-7.56%-11.86%5.15%-7.38%5.82%11.39%-13.84%-10.73%-336 bps
Asset Quality
Delinquent Loans / Loans4.43%6.22%8.00%4.53%5.40%2.87%9.46%15.01%+1,049 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.33%1.38%1.62%2.99%3.40%2.08%5.54%5.75%+275 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a12.64%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a12.64%n/an/a
Liquidity & Funding
Loans / Shares112.81%118.43%80.77%91.54%65.21%59.92%49.72%53.40%-3,814 bps
Liquid Assets / Assets4.51%0.79%9.77%15.87%0.75%39.30%47.81%54.75%+3,889 bps