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Hillcrest Elco

Scranton, PA · Charter 22352

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

Hillcrest Elco

Scranton, PA · Charter 22352

Q4 2001

$68KAssets
$22KLoans
$42KShares
$25KNet Worth

Executive Summary

  • Earnings: ROA of 0.27%, down 210 bps year over year; NIM at 7.53%.
  • Asset quality: problem loans at 48.64% of loans (+4,864 bps YoY).
  • Capital: net worth / assets of 37.62%.
  • Funding: loans stand at 50.96% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.27%-210 bps YoY

Net Interest Margin (YTD, annualized)

7.53%+21 bps YoY

Efficiency Ratio (YTD, annualized)

91.62%+3,564 bps YoY

Net Worth / Assets

37.62%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.64%4.57%4.29%2.36%2.78%3.25%3.46%0.27%-210 bps
Return on Equityn/an/an/an/an/a14.78%11.41%0.71%n/a
Net Interest Marginn/an/an/a7.32%6.86%7.74%8.27%7.53%+21 bps
Efficiency Ration/an/an/a55.98%59.78%58.19%61.00%91.62%+3,564 bps
Growth
Asset Growth (YoY)-9.03%-13.81%-3.48%-2.39%-14.63%-7.52%-37.63%-48.87%-4,648 bps
Loan Growth (YoY)-35.42%-19.91%1.83%-0.98%-18.87%-38.64%-62.09%-72.08%-7,110 bps
Share Growth (YoY)-10.84%-18.33%-9.16%-10.85%-23.71%-14.92%-49.06%-60.73%-4,989 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%2.12%0.00%0.00%0.00%4.55%48.64%+4,864 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.64%1.71%1.82%1.13%1.54%1.86%2.62%5.31%+418 bps
Capital
Risk-Based Capitaln/an/an/an/an/a22.01%30.28%37.62%n/a
Net Worth / Assetsn/an/an/an/an/a22.01%30.28%37.62%n/a
Liquidity & Funding
Loans / Shares52.04%74.40%69.87%71.66%55.34%53.66%52.01%50.96%-2,070 bps
Liquid Assets / Assets41.03%31.52%37.28%34.07%35.09%56.39%61.64%66.17%+3,210 bps