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Witco

Petrolia, PA · Charter 64193

Q2 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: Q2 2001, the quarter ended June 30, 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

Witco

Petrolia, PA · Charter 64193

Q2 2001

$1.1MAssets
$906KLoans
$929KShares
$149KNet Worth

Executive Summary

  • Earnings: ROA of 0.32%, down 315 bps year over year; NIM at 4.48%.
  • Asset quality: problem loans at 0.00% of loans (-13 bps YoY).
  • Capital: net worth / assets of 13.78%.
  • Funding: loans stand at 97.50% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

0.32%-315 bps YoY

Net Interest Margin (YTD, annualized)

4.48%

Efficiency Ratio (YTD, annualized)

93.51%

Net Worth / Assets

13.78%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets4.28%3.91%4.14%3.47%0.74%0.17%0.66%0.32%-315 bps
Return on Equityn/an/an/an/an/an/a4.90%2.33%n/a
Net Interest Marginn/an/an/an/a5.06%4.74%5.63%4.48%n/a
Efficiency Ration/an/an/an/a85.80%96.40%88.44%93.51%n/a
Growth
Asset Growth (YoY)-10.57%-12.10%-6.80%-3.94%1.81%-2.98%-16.42%-18.34%-1,440 bps
Loan Growth (YoY)-2.51%-3.21%-11.73%-14.64%-8.17%-2.41%-14.55%-16.33%-169 bps
Share Growth (YoY)-13.05%-14.20%-8.68%-5.73%0.24%-9.21%-19.19%-21.11%-1,538 bps
Asset Quality
Delinquent Loans / Loans1.85%0.68%0.44%0.13%2.13%0.79%0.00%0.00%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.49%1.47%1.56%1.64%1.80%1.62%2.46%2.81%+117 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a13.43%13.78%n/a
Net Worth / Assetsn/an/an/an/an/an/a13.43%13.78%n/a
Liquidity & Funding
Loans / Shares104.05%103.36%95.01%91.93%95.32%111.10%100.47%97.50%+557 bps
Liquid Assets / Assets5.41%7.21%10.47%0.00%0.00%0.11%5.09%16.44%+1,644 bps