PackageTrendsPeer
Letter portraitLegal landscape

Rocky Creek

Chapman, AL · Charter 61702

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

Rocky Creek

Chapman, AL · Charter 61702

Q4 2000

$3.0MAssets
$2.7MLoans
$2.4MShares
$407KNet Worth

Executive Summary

  • Earnings: ROA of 1.33%, down 407 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 1.63% of loans (-126 bps YoY).
  • Capital: net worth / assets of 13.74%.
  • Funding: loans stand at 113.99% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

1.33%-407 bps YoY

Net Interest Margin (YTD, annualized)

4.07%

Efficiency Ratio (YTD, annualized)

67.51%

Net Worth / Assets

13.74%
n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q4 2000YoY ΔTrend
Earnings
Return on Assets6.16%5.98%6.25%5.41%5.65%6.02%1.33%1.33%-407 bps
Return on Equityn/an/an/an/an/an/an/a9.71%n/an/a
Net Interest Marginn/an/an/an/an/an/a4.07%4.07%n/a
Efficiency Ration/an/an/an/an/an/a67.51%67.51%n/a
Growth
Asset Growth (YoY)9.48%4.64%11.89%19.61%18.54%21.45%12.75%7.26%-1,236 bps
Loan Growth (YoY)27.68%25.28%13.98%7.66%6.02%22.45%17.64%16.63%+897 bps
Share Growth (YoY)8.97%2.85%11.11%19.02%18.43%21.99%12.08%3.09%-1,592 bps
Asset Quality
Delinquent Loans / Loans5.23%4.71%2.26%2.89%3.73%2.45%1.63%1.63%-126 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.09%1.45%1.20%1.69%2.06%1.84%1.91%1.91%+23 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a13.74%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a13.74%n/an/a
Liquidity & Funding
Loans / Shares110.95%112.91%108.60%100.76%99.32%113.33%113.99%113.99%+1,323 bps
Liquid Assets / Assets6.75%1.90%1.80%3.60%2.12%2.13%0.00%0.00%-360 bps