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Knottsville

Philpot, KY · Charter 62435

Q4 2001

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 2001, the quarter ended December 31, 2001, 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

Knottsville

Philpot, KY · Charter 62435

Q4 2001

$615KAssets
$444KLoans
$529KShares
$84KNet Worth

Executive Summary

  • Earnings: ROA of 0.48%, down 5 bps year over year; NIM at 5.81%.
  • Asset quality: problem loans at 3.60% of loans (-327 bps YoY).
  • Capital: net worth / assets of 13.63%.
  • Funding: loans stand at 84.04% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.48%-5 bps YoY

Net Interest Margin (YTD, annualized)

5.81%+63 bps YoY

Efficiency Ratio (YTD, annualized)

83.57%-521 bps YoY

Net Worth / Assets

13.63%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.75%3.77%3.11%0.53%0.61%-1.08%0.43%0.48%-5 bps
Return on Equityn/an/an/an/an/a-8.44%3.29%3.52%n/a
Net Interest Marginn/an/an/a5.18%5.33%5.39%5.75%5.81%+63 bps
Efficiency Ration/an/an/a88.78%81.57%85.30%82.64%83.57%-521 bps
Growth
Asset Growth (YoY)9.26%8.65%9.06%0.11%7.55%1.36%-3.85%-5.83%-594 bps
Loan Growth (YoY)7.25%4.84%15.68%7.23%13.53%9.32%-10.26%-16.06%-2,329 bps
Share Growth (YoY)8.46%7.91%8.86%-1.37%7.11%2.12%-3.91%-6.00%-463 bps
Asset Quality
Delinquent Loans / Loans1.69%2.71%1.00%6.87%7.11%5.79%3.88%3.60%-327 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.71%0.44%0.56%0.64%1.04%1.27%0.90%1.09%+45 bps
Capital
Risk-Based Capitaln/an/an/an/an/a12.75%12.96%13.63%n/a
Net Worth / Assetsn/an/an/an/an/a12.75%12.96%13.63%n/a
Liquidity & Funding
Loans / Shares88.98%87.55%89.81%94.11%94.31%93.72%83.88%84.04%-1,007 bps
Liquid Assets / Assets14.20%17.97%18.78%0.00%0.00%15.49%24.15%24.54%+2,454 bps