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Thrifty

Richmond, VA · Charter 23350

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

Thrifty

Richmond, VA · Charter 23350

Q4 2000

$111KAssets
$69KLoans
$56KShares
$45KNet Worth

Executive Summary

  • Earnings: ROA of 1.46%, up 325 bps year over year; NIM at 7.85%.
  • Asset quality: problem loans at 5.05% of loans (-1,276 bps YoY).
  • Capital: net worth / assets of 40.25%.
  • Funding: loans stand at 122.32% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

1.46%+325 bps YoY

Net Interest Margin (YTD, annualized)

7.85%

Efficiency Ratio (YTD, annualized)

67.30%

Net Worth / Assets

40.25%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets1.90%4.99%1.94%-1.79%-0.06%-2.47%2.24%1.46%+325 bps
Return on Equityn/an/an/an/an/an/an/a3.63%n/an/a
Net Interest Marginn/an/an/an/an/a6.90%8.12%7.85%n/a
Efficiency Ration/an/an/an/an/a84.67%72.42%67.30%n/a
Growth
Asset Growth (YoY)-25.69%-45.53%-38.84%-25.89%-21.95%-0.29%-0.17%8.41%+3,430 bps
Loan Growth (YoY)10.78%-14.07%-29.95%-27.76%-29.34%-9.02%23.61%25.68%+5,344 bps
Share Growth (YoY)-37.25%-65.61%-54.52%-36.79%-33.44%5.04%-7.18%9.40%+4,618 bps
Asset Quality
Delinquent Loans / Loans11.71%12.23%18.86%17.81%18.73%8.70%5.25%5.05%-1,276 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans6.90%4.30%5.91%11.13%10.36%4.61%4.04%5.75%-537 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a40.25%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a40.25%n/an/a
Liquidity & Funding
Loans / Shares94.12%148.93%84.37%106.47%99.93%129.00%112.35%122.32%+1,585 bps
Liquid Assets / Assets47.06%13.33%12.82%14.31%54.31%0.00%0.00%41.26%+2,694 bps