PackageTrendsPeer
Letter portraitLegal landscape

The Journal Times Employees

Racine, WI · Charter 66639

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

The Journal Times Employees

Racine, WI · Charter 66639

Q4 1999

$437KAssets
$209KLoans
$390KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -0.95%, down 415 bps year over year; NIM at 5.46%.
  • Asset quality: problem loans at 3.59% of loans (-286 bps YoY).
  • Funding: loans stand at 53.70% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

-0.95%-415 bps YoY

Net Interest Margin (YTD, annualized)

5.46%
n/a

Efficiency Ratio (YTD, annualized)

82.07%
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 Assets3.33%3.18%3.09%3.19%1.09%1.93%-0.40%-0.95%-415 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a5.46%n/an/a
Efficiency Ration/an/an/an/an/an/an/a82.07%n/an/a
Growth
Asset Growth (YoY)0.52%5.34%4.77%-6.53%-11.73%-13.44%-13.64%-8.40%-188 bps
Loan Growth (YoY)35.99%70.40%23.54%22.33%-26.48%-24.19%-8.93%-17.50%-3,983 bps
Share Growth (YoY)-2.98%1.91%1.32%-7.79%-13.21%-15.63%-14.58%-8.80%-101 bps
Asset Quality
Delinquent Loans / Loans2.20%4.33%8.18%6.45%4.33%4.70%2.68%3.59%-286 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.11%3.68%4.33%3.74%1.42%1.22%1.26%1.47%-227 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 / Shares54.28%62.83%53.85%59.37%45.98%56.45%57.41%53.70%-567 bps
Liquid Assets / Assets48.50%22.62%5.12%16.70%57.56%47.12%36.46%24.75%+805 bps