PackageTrendsPeer
Letter portraitLegal landscape

Crouse Employees

Fort Dodge, IA · Charter 64135

Q1 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: Q1 2001, the quarter ended March 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

Crouse Employees

Fort Dodge, IA · Charter 64135

Q1 2001

$1.3MAssets
$1.3MLoans
$868KShares
$232KNet Worth

Executive Summary

  • Earnings: ROA of -0.29%, down 104 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 26.96% of loans (+2,437 bps YoY).
  • Capital: net worth / assets of 17.55%.
  • Funding: loans stand at 149.76% of shares as of Q1 2001.

Return on Assets (YTD, annualized)

-0.29%-104 bps YoY

Net Interest Margin (YTD, annualized)

4.08%-105 bps YoY

Efficiency Ratio (YTD, annualized)

98.84%+2,118 bps YoY

Net Worth / Assets

17.55%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets4.72%4.00%0.97%0.74%1.30%2.89%1.27%-0.29%-104 bps
Return on Equityn/an/an/an/an/an/a8.03%-1.66%n/a
Net Interest Marginn/an/a5.02%5.13%5.52%6.93%6.38%4.08%-105 bps
Efficiency Ration/an/a65.95%77.66%69.02%60.34%72.91%98.84%+2,118 bps
Growth
Asset Growth (YoY)20.65%25.33%18.49%10.09%6.29%-17.38%-24.13%-31.22%-4,131 bps
Loan Growth (YoY)10.59%9.82%29.23%32.98%31.75%13.97%-7.87%-19.30%-5,227 bps
Share Growth (YoY)20.45%25.98%14.20%8.72%5.06%-23.00%-34.13%-48.91%-5,763 bps
Asset Quality
Delinquent Loans / Loans1.52%1.71%0.99%2.60%1.38%3.61%7.67%26.96%+2,437 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.78%2.93%2.69%2.86%2.85%2.84%3.39%3.98%+112 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a15.87%17.55%n/a
Net Worth / Assetsn/an/an/an/an/an/a15.87%17.55%n/a
Liquidity & Funding
Loans / Shares83.78%79.93%97.28%94.81%105.07%118.31%136.07%149.76%+5,495 bps
Liquid Assets / Assets23.36%25.50%15.61%15.72%5.40%0.00%0.02%3.79%-1,193 bps