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Colony

Gainesville, FL · Charter 60478

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

Colony

Gainesville, FL · Charter 60478

Q4 2000

$2.9MAssets
$1.0MLoans
$2.6MShares
$339KNet Worth

Executive Summary

  • Earnings: ROA of 0.10%, up 163 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 0.53% of loans (-37 bps YoY).
  • Capital: net worth / assets of 11.65%.
  • Funding: loans stand at 40.95% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

0.10%+163 bps YoY

Net Interest Margin (YTD, annualized)

4.30%-64 bps YoY

Efficiency Ratio (YTD, annualized)

96.88%-1,075 bps YoY

Net Worth / Assets

11.65%
n/a

Year to date, annualized, through each quarter.

MetricQ1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets1.17%0.27%-1.17%-1.53%-1.42%-0.98%-0.35%0.10%+163 bps
Return on Equityn/an/an/an/an/an/an/a0.82%n/an/a
Net Interest Marginn/an/a4.92%4.94%4.72%4.62%5.06%4.30%-64 bps
Efficiency Ration/an/a106.27%107.63%109.22%107.30%101.08%96.88%-1,075 bps
Growth
Asset Growth (YoY)2.57%4.17%5.37%-2.42%-1.93%14.33%-0.23%8.86%+1,128 bps
Loan Growth (YoY)-21.40%-22.77%-17.41%-6.49%-4.22%8.28%9.78%-0.18%+630 bps
Share Growth (YoY)3.35%6.38%6.93%-1.53%-0.73%17.34%0.63%11.39%+1,292 bps
Asset Quality
Delinquent Loans / Loans0.75%0.92%1.03%0.90%0.28%0.61%0.76%0.53%-37 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.29%2.47%2.76%2.48%2.41%2.42%2.65%2.49%+1 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a11.65%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a11.65%n/an/a
Liquidity & Funding
Loans / Shares41.68%41.37%37.97%45.70%40.22%38.18%41.43%40.95%-475 bps
Liquid Assets / Assets57.85%53.46%57.68%41.92%25.76%27.06%37.41%50.21%+828 bps