PackageTrendsPeer
Letter portraitLegal landscape

Conn. Internal Revenue Employees

Hartford, CT · Charter 5133

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

Conn. Internal Revenue Employees

Hartford, CT · Charter 5133

Q2 2001

$587KAssets
$237KLoans
$519KShares
$66KNet Worth

Executive Summary

  • Earnings: ROA of -2.74%, down 483 bps year over year; NIM at 5.09%.
  • Asset quality: problem loans at 4.03% of loans (-133 bps YoY).
  • Capital: net worth / assets of 11.25%.
  • Funding: loans stand at 45.60% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

-2.74%-483 bps YoY

Net Interest Margin (YTD, annualized)

5.09%

Efficiency Ratio (YTD, annualized)

109.40%

Net Worth / Assets

11.25%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets2.42%2.13%3.02%2.09%-0.04%0.05%0.11%-2.74%-483 bps
Return on Equityn/an/an/an/an/an/a1.05%-24.35%n/a
Net Interest Marginn/an/an/an/a4.57%4.76%4.91%5.09%n/a
Efficiency Ration/an/an/an/a92.64%73.81%71.59%109.40%n/a
Growth
Asset Growth (YoY)-0.37%3.35%10.78%13.83%11.81%9.81%8.62%-14.05%-2,788 bps
Loan Growth (YoY)36.78%99.97%115.39%13.71%-1.85%-27.12%-38.08%-38.07%-5,178 bps
Share Growth (YoY)-0.83%2.97%11.95%14.88%12.00%9.51%8.89%-14.25%-2,913 bps
Asset Quality
Delinquent Loans / Loans0.44%0.00%1.38%5.36%6.10%5.61%4.73%4.03%-133 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.53%3.66%3.75%4.45%3.76%5.53%3.95%10.55%+611 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a10.67%11.25%n/a
Net Worth / Assetsn/an/an/an/an/an/a10.67%11.25%n/a
Liquidity & Funding
Loans / Shares66.84%79.49%78.84%63.15%58.57%52.90%44.83%45.60%-1,754 bps
Liquid Assets / Assets22.74%20.99%25.82%30.75%17.72%44.60%58.57%60.77%+3,002 bps