PackageTrendsPeer
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Skinner Employees

New Britain, CT · Charter 5262

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

Skinner Employees

New Britain, CT · Charter 5262

Q4 2001

$290KAssets
$145KLoans
$258KShares
$31KNet Worth

Executive Summary

  • Earnings: ROA of -5.46%, down 558 bps year over year; NIM at 9.29%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 10.85%.
  • Funding: loans stand at 56.23% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-5.46%-558 bps YoY

Net Interest Margin (YTD, annualized)

9.29%+248 bps YoY

Efficiency Ratio (YTD, annualized)

168.22%+6,992 bps YoY

Net Worth / Assets

10.85%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.98%1.89%0.92%0.12%0.12%0.14%0.00%-5.46%-558 bps
Return on Equityn/an/an/an/an/a1.34%0.00%-50.38%n/a
Net Interest Marginn/an/an/a6.81%5.71%6.85%6.55%9.29%+248 bps
Efficiency Ration/an/an/a98.31%97.95%98.05%106.61%168.22%+6,992 bps
Growth
Asset Growth (YoY)5.75%0.80%-3.04%2.46%4.10%2.51%-8.56%-36.31%-3,877 bps
Loan Growth (YoY)24.95%4.20%-11.66%-9.86%-3.69%-7.36%-2.81%-33.71%-2,385 bps
Share Growth (YoY)5.26%0.26%-3.69%2.60%4.00%2.54%-9.80%-36.75%-3,935 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans6.61%7.59%8.70%8.32%7.82%9.36%9.09%10.76%+244 bps
Capital
Risk-Based Capitaln/an/an/an/an/a10.34%10.58%10.85%n/a
Net Worth / Assetsn/an/an/an/an/a10.34%10.58%10.85%n/a
Liquidity & Funding
Loans / Shares50.58%52.98%45.35%53.65%46.84%47.86%48.86%56.23%+258 bps
Liquid Assets / Assets40.60%42.60%43.66%43.52%0.00%58.55%58.05%51.38%+786 bps