PackageTrendsPeer
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Virgin Valley

Mesquite, NV · Charter 64673

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

Virgin Valley

Mesquite, NV · Charter 64673

Q4 1999

$50.0MAssets
$42.7MLoans
$48.7MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.09%, down 367 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 5.02% of loans (-51 bps YoY).
  • Funding: loans stand at 87.52% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

0.09%-367 bps YoY

Net Interest Margin (YTD, annualized)

3.38%

Efficiency Ratio (YTD, annualized)

55.59%

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets5.57%2.74%3.33%3.76%5.03%-0.97%1.19%0.09%-367 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a3.04%3.38%n/a
Efficiency Ration/an/an/an/an/an/a47.37%55.59%n/a
Growth
Asset Growth (YoY)-7.60%-14.34%-8.81%0.47%-3.49%-0.79%-7.40%-16.17%-1,665 bps
Loan Growth (YoY)-5.98%-18.55%-16.61%-16.28%-11.86%-8.47%-7.14%-4.55%+1,173 bps
Share Growth (YoY)-3.86%-1.45%6.66%11.50%2.26%-1.41%-8.34%-18.08%-2,958 bps
Asset Quality
Delinquent Loans / Loans7.25%9.17%7.45%5.54%6.05%5.08%4.13%5.02%-51 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.18%5.64%4.41%3.17%3.26%4.27%2.92%3.80%+63 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 / Shares92.87%82.44%78.94%75.12%80.04%76.55%79.98%87.52%+1,240 bps
Liquid Assets / Assets0.00%6.14%9.97%12.69%6.78%11.07%0.06%0.00%-1,269 bps