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Carolina Coach

Raleigh, NC · Charter 63331

Q4 1999

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 1999, the quarter ended December 31, 1999, 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

Carolina Coach

Raleigh, NC · Charter 63331

Q4 1999

$525KAssets
$372KLoans
$404KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -0.48%, down 253 bps year over year; NIM at 5.51%.
  • Asset quality: problem loans at 0.18% of loans (-294 bps YoY).
  • Funding: loans stand at 92.16% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

-0.48%-253 bps YoY

Net Interest Margin (YTD, annualized)

5.51%
n/a

Efficiency Ratio (YTD, annualized)

104.68%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets1.70%2.54%1.78%2.05%1.55%0.92%2.50%-0.48%-253 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a5.51%n/an/a
Efficiency Ration/an/an/an/an/an/an/a104.68%n/an/a
Growth
Asset Growth (YoY)-15.94%-14.69%-12.31%-10.66%-11.69%-13.77%-14.37%-13.60%-295 bps
Loan Growth (YoY)32.12%47.53%53.91%30.91%13.71%3.08%-4.93%10.14%-2,077 bps
Share Growth (YoY)-17.14%-16.54%-14.17%-11.83%-12.40%-13.20%-14.30%-22.39%-1,056 bps
Asset Quality
Delinquent Loans / Loans2.66%0.00%0.25%3.12%6.94%4.00%0.08%0.18%-294 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.69%0.35%0.42%0.54%1.73%4.43%0.90%1.01%+47 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 / Shares50.51%63.15%72.65%64.94%65.57%75.00%80.60%92.16%+2,722 bps
Liquid Assets / Assets20.44%8.72%31.46%29.78%35.95%29.03%21.37%15.25%-1,453 bps