PackageTrendsPeer
Letter portraitLegal landscape

K. P.

Dover, NH · Charter 66234

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

K. P.

Dover, NH · Charter 66234

Q4 1999

$2.1MAssets
$1.3MLoans
$1.9MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.00%, down 301 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 1.87% of loans (-121 bps YoY).
  • Funding: loans stand at 69.21% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

1.00%-301 bps YoY

Net Interest Margin (YTD, annualized)

4.42%
n/a

Efficiency Ratio (YTD, annualized)

79.77%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets3.35%4.60%3.77%4.01%3.34%3.64%3.17%1.00%-301 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a4.42%n/an/a
Efficiency Ration/an/an/an/an/an/an/a79.77%n/an/a
Growth
Asset Growth (YoY)-1.87%-8.99%-2.60%-3.17%-10.52%2.78%0.81%2.25%+542 bps
Loan Growth (YoY)-13.52%-0.97%15.00%4.67%7.43%1.77%-11.30%13.26%+859 bps
Share Growth (YoY)-0.53%-8.18%-4.86%-6.36%-13.80%0.40%-1.11%0.76%+712 bps
Asset Quality
Delinquent Loans / Loans1.99%4.76%2.96%3.07%0.51%0.98%3.28%1.87%-121 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.51%1.87%2.17%2.05%1.46%1.25%1.54%1.75%-30 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 / Shares48.70%67.16%65.07%61.57%60.69%68.08%58.37%69.21%+764 bps
Liquid Assets / Assets45.56%17.63%20.91%30.17%33.96%27.48%33.17%28.17%-201 bps