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Fonda Community

Fonda, IA · Charter 64906

Q4 2000

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 2000, the quarter ended December 31, 2000, 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

Fonda Community

Fonda, IA · Charter 64906

Q4 2000

$36KAssets
$29KLoans
$23KShares
$12KNet Worth

Executive Summary

  • Earnings: ROA of 0.02%, down 71 bps year over year; NIM at 12.65%.
  • Asset quality: problem loans at 0.00% of loans (-102 bps YoY).
  • Capital: net worth / assets of 34.65%.
  • Funding: loans stand at 122.43% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

0.02%-71 bps YoY

Net Interest Margin (YTD, annualized)

12.65%+423 bps YoY

Efficiency Ratio (YTD, annualized)

99.82%+1,357 bps YoY

Net Worth / Assets

34.65%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets4.54%-2.67%2.89%0.73%1.49%1.19%-0.03%0.02%-71 bps
Return on Equityn/an/an/an/an/an/an/a0.06%n/an/a
Net Interest Marginn/an/an/a8.43%7.87%7.88%13.07%12.65%+423 bps
Efficiency Ration/an/an/a86.25%81.07%84.92%100.26%99.82%+1,357 bps
Growth
Asset Growth (YoY)-27.27%-29.36%-34.78%-38.39%-27.66%-18.50%-54.46%-52.52%-1,412 bps
Loan Growth (YoY)-23.45%-31.72%-42.45%-59.94%-63.67%-51.30%-34.72%-27.71%+3,222 bps
Share Growth (YoY)-26.09%-31.10%-35.31%-40.07%-27.31%-21.18%-64.36%-62.88%-2,282 bps
Asset Quality
Delinquent Loans / Loans11.01%1.33%1.50%1.02%0.84%0.36%0.00%0.00%-102 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans5.34%1.68%4.55%5.78%7.24%6.79%6.97%7.99%+222 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a34.65%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a34.65%n/an/a
Liquidity & Funding
Loans / Shares105.74%93.40%76.71%62.86%52.85%57.71%140.51%122.43%+5,957 bps
Liquid Assets / Assets5.55%16.90%15.64%0.00%0.00%0.00%0.00%23.78%+2,378 bps