PackageTrendsPeer
Letter portraitLegal landscape

Stoneport Employees

Alpena, MI · Charter 62345

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

Stoneport Employees

Alpena, MI · Charter 62345

Q4 2000

$2.6MAssets
$1.4MLoans
$2.3MShares
$254KNet Worth

Executive Summary

  • Earnings: ROA of -0.19%, down 280 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 1.45% of loans (-7 bps YoY).
  • Capital: net worth / assets of 9.89%.
  • Funding: loans stand at 59.92% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

-0.19%-280 bps YoY

Net Interest Margin (YTD, annualized)

3.56%

Efficiency Ratio (YTD, annualized)

105.91%

Net Worth / Assets

9.89%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.30%3.08%0.69%2.60%3.04%-0.84%0.37%-0.19%-280 bps
Return on Equityn/an/an/an/an/an/an/a-1.97%n/an/a
Net Interest Marginn/an/an/an/an/a3.86%3.78%3.56%n/a
Efficiency Ration/an/an/an/an/a90.27%91.03%105.91%n/a
Growth
Asset Growth (YoY)-2.35%-3.95%1.05%7.14%12.47%4.59%8.38%6.62%-52 bps
Loan Growth (YoY)-14.32%-18.76%-9.63%-5.87%5.28%7.05%-7.53%-7.30%-143 bps
Share Growth (YoY)-4.76%-5.69%1.64%8.64%14.91%6.37%9.62%9.26%+62 bps
Asset Quality
Delinquent Loans / Loans2.88%5.01%3.30%1.53%2.38%4.29%1.17%1.45%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.47%0.74%1.96%0.74%0.83%3.02%0.97%0.63%-11 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a9.89%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a9.89%n/an/a
Liquidity & Funding
Loans / Shares77.50%68.90%73.23%70.62%71.01%69.34%61.78%59.92%-1,070 bps
Liquid Assets / Assets18.63%25.84%21.58%21.19%20.10%4.63%23.84%29.76%+857 bps