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3 - C

Coffeyville, KS · Charter 61871

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

3 - C

Coffeyville, KS · Charter 61871

Q4 2000

$379KAssets
$155KLoans
$354KShares
$-19KNet Worth

Executive Summary

  • Earnings: ROA of -12.21%, down 1,189 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 19.38% of loans (+1,038 bps YoY).
  • Capital: net worth / assets of -5.05%.
  • Funding: loans stand at 43.80% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

-12.21%-1,189 bps YoY

Net Interest Margin (YTD, annualized)

3.55%

Efficiency Ratio (YTD, annualized)

219%

Net Worth / Assets

-5.05%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets2.87%0.50%1.54%-0.33%3.21%-0.15%-4.40%-12.21%-1,189 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a5.51%7.04%3.55%n/a
Efficiency Ration/an/an/an/an/a96.51%77.83%219%n/a
Growth
Asset Growth (YoY)56.99%9.41%-9.11%-23.37%-25.91%-18.29%-25.13%-2.68%+2,069 bps
Loan Growth (YoY)20.41%0.19%-9.19%-28.87%-27.82%-20.67%-14.50%-25.47%+340 bps
Share Growth (YoY)66.40%12.84%-8.29%-21.62%-23.80%-16.97%-22.49%-3.31%+1,831 bps
Asset Quality
Delinquent Loans / Loans13.34%10.17%15.15%9.00%11.48%12.86%5.42%19.38%+1,038 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.07%3.91%2.77%6.87%2.10%3.35%0.96%15.35%+848 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a-5.05%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a-5.05%n/an/a
Liquidity & Funding
Loans / Shares59.74%56.72%53.69%56.82%56.59%54.19%59.22%43.80%-1,302 bps
Liquid Assets / Assets40.54%34.44%33.60%31.70%34.81%2.68%0.00%21.45%-1,025 bps