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Columbia Barnard

New York, NY · Charter 24341

Q2 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: Q2 2001, the quarter ended June 30, 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

Columbia Barnard

New York, NY · Charter 24341

Q2 2001

$1.3MAssets
$9KLoans
$1.2MShares
$86KNet Worth

Executive Summary

  • Earnings: ROA of 1.22%, down 100 bps year over year; NIM at 4.43%.
  • Asset quality: problem loans at 30.09% of loans (+321 bps YoY).
  • Capital: net worth / assets of 6.83%.
  • Funding: loans stand at 0.81% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

1.22%-100 bps YoY

Net Interest Margin (YTD, annualized)

4.43%

Efficiency Ratio (YTD, annualized)

78.00%

Net Worth / Assets

6.83%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets4.00%2.66%2.47%2.22%0.23%-0.51%-0.67%1.22%-100 bps
Return on Equityn/an/an/an/an/an/a-9.04%17.89%n/a
Net Interest Marginn/an/an/an/a3.70%4.61%4.52%4.43%n/a
Efficiency Ration/an/an/an/a96.85%106.93%108.29%78.00%n/a
Growth
Asset Growth (YoY)-9.12%1.74%-28.78%-14.46%-13.45%-8.80%12.81%9.35%+2,381 bps
Loan Growth (YoY)79.67%-64.34%-50.97%-58.21%-50.33%-2.42%-25.81%-33.86%+2,434 bps
Share Growth (YoY)-14.12%-2.81%-33.77%-17.09%-16.73%-9.91%17.24%14.51%+3,160 bps
Asset Quality
Delinquent Loans / Loans71.95%45.13%19.32%26.88%65.21%49.33%22.23%30.09%+321 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans44.15%29.84%22.25%9.45%30.13%26.22%19.62%60.92%+5,147 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a7.42%6.83%n/a
Net Worth / Assetsn/an/an/an/an/an/a7.42%6.83%n/a
Liquidity & Funding
Loans / Shares2.54%1.55%2.14%1.41%1.51%1.68%1.35%0.81%-60 bps
Liquid Assets / Assets93.00%93.04%0.00%94.96%94.11%0.00%96.20%94.90%-6 bps