PackageTrendsPeer
Letter portraitLegal landscape

Coca Cola of Hartford Employees

East Hartford, CT · Charter 66053

Q4 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: Q4 2001, the quarter ended December 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

Coca Cola of Hartford Employees

East Hartford, CT · Charter 66053

Q4 2001

$557KAssets
$225KLoans
$500KShares
$55KNet Worth

Executive Summary

  • Earnings: ROA of 0.63%, up 3 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 1.50% of loans (-59 bps YoY).
  • Capital: net worth / assets of 9.84%.
  • Funding: loans stand at 45.01% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.63%+3 bps YoY

Net Interest Margin (YTD, annualized)

4.33%-63 bps YoY

Efficiency Ratio (YTD, annualized)

84.11%-405 bps YoY

Net Worth / Assets

9.84%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets2.50%3.03%2.25%0.61%1.05%1.27%0.76%0.63%+3 bps
Return on Equityn/an/an/an/an/a12.30%8.41%6.41%n/a
Net Interest Marginn/an/an/a4.96%4.72%5.46%4.41%4.33%-63 bps
Efficiency Ration/an/an/a88.15%78.25%77.24%83.16%84.11%-405 bps
Growth
Asset Growth (YoY)14.11%9.36%-2.49%-10.61%-11.21%-11.57%2.56%9.31%+1,992 bps
Loan Growth (YoY)-9.61%-1.22%-22.74%-3.17%-7.83%-15.84%0.46%-26.67%-2,350 bps
Share Growth (YoY)10.06%7.65%-4.16%-14.27%-11.11%-14.27%3.35%4.98%+1,924 bps
Asset Quality
Delinquent Loans / Loans1.41%2.00%2.58%2.10%1.27%1.34%1.35%1.50%-59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans3.63%3.64%2.52%1.22%1.47%1.95%2.57%3.13%+192 bps
Capital
Risk-Based Capitaln/an/an/an/an/a10.36%9.07%9.84%n/a
Net Worth / Assetsn/an/an/an/an/a10.36%9.07%9.84%n/a
Liquidity & Funding
Loans / Shares52.90%60.65%48.37%64.44%54.85%59.54%47.02%45.01%-1,942 bps
Liquid Assets / Assets31.00%23.38%34.88%26.89%31.63%35.24%38.52%48.00%+2,111 bps