PackageTrendsPeer
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Reckitt & Colman

Wayne, NJ · Charter 22058

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

Reckitt & Colman

Wayne, NJ · Charter 22058

Q4 2000

$2.3MAssets
$2.0MLoans
$2.1MShares
$185KNet Worth

Executive Summary

  • Earnings: ROA of 0.01%, down 335 bps year over year; NIM at 4.35%.
  • Asset quality: problem loans at 0.65% of loans (+26 bps YoY).
  • Capital: net worth / assets of 8.07%.
  • Funding: loans stand at 94.76% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

0.01%-335 bps YoY

Net Interest Margin (YTD, annualized)

4.35%

Efficiency Ratio (YTD, annualized)

107.66%

Net Worth / Assets

8.07%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets2.59%3.20%2.90%3.36%2.88%0.55%0.93%0.01%-335 bps
Return on Equityn/an/an/an/an/an/an/a0.15%n/an/a
Net Interest Marginn/an/an/an/an/a4.50%4.17%4.35%n/a
Efficiency Ration/an/an/an/an/a81.88%77.89%107.66%n/a
Growth
Asset Growth (YoY)-3.05%-4.52%0.37%-0.33%5.08%7.53%6.31%12.76%+1,309 bps
Loan Growth (YoY)78.07%54.36%35.07%6.77%2.71%-0.17%6.42%24.56%+1,779 bps
Share Growth (YoY)-3.54%-5.41%-0.10%-1.16%4.37%6.76%5.40%11.27%+1,244 bps
Asset Quality
Delinquent Loans / Loans1.30%0.92%1.43%0.39%0.17%0.17%0.18%0.65%+26 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.01%1.79%1.92%2.09%1.99%2.15%2.30%1.28%-81 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a8.07%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a8.07%n/an/a
Liquidity & Funding
Loans / Shares82.73%95.19%83.54%84.65%81.42%89.01%84.35%94.76%+1,011 bps
Liquid Assets / Assets23.59%12.94%21.20%17.00%23.32%12.63%2.87%14.92%-208 bps