PackageTrendsPeer
Letter portraitLegal landscape

Olin Employees

Norwalk, CT · Charter 60964

Q2 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: Q2 2000, the quarter ended June 30, 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

Olin Employees

Norwalk, CT · Charter 60964

Q2 2000

$2.4MAssets
$1.2MLoans
$2.2MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.16%, down 228 bps year over year; NIM at 4.34%.
  • Asset quality: problem loans at 6.01% of loans (+200 bps YoY).
  • Funding: loans stand at 57.15% of shares as of Q2 2000.

Return on Assets (YTD, annualized)

0.16%-228 bps YoY

Net Interest Margin (YTD, annualized)

4.34%

Efficiency Ratio (YTD, annualized)

88.87%

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets2.80%2.70%2.98%2.44%2.50%1.80%-0.49%0.16%-228 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a3.49%4.34%n/a
Efficiency Ration/an/an/an/an/an/a109.45%88.87%n/a
Growth
Asset Growth (YoY)-21.41%-22.93%-24.01%-20.46%-18.19%-10.79%-5.11%-16.23%+423 bps
Loan Growth (YoY)19.31%19.89%6.32%-4.05%-15.24%-32.04%-23.63%-7.10%-306 bps
Share Growth (YoY)-22.76%-24.75%-26.01%-22.32%-20.04%-11.62%-4.90%-17.09%+523 bps
Asset Quality
Delinquent Loans / Loans2.79%3.80%6.03%4.01%4.11%4.30%4.35%6.01%+200 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.99%0.94%0.96%1.14%1.34%0.38%0.64%0.91%-23 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares47.44%51.32%60.98%51.01%50.29%39.46%48.97%57.15%+614 bps
Liquid Assets / Assets51.50%47.99%31.60%38.82%52.82%59.85%51.96%43.30%+447 bps