PackageTrendsPeer
Letter portraitLegal landscape

Etowah Steelworkers

Gadsden, AL · Charter 67254

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

Etowah Steelworkers

Gadsden, AL · Charter 67254

Q4 2000

$165.8MAssets
$106.8MLoans
$150.1MShares
$14.1MNet Worth

Executive Summary

  • Earnings: ROA of -0.97%, down 162 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 4.25% of loans (+70 bps YoY).
  • Capital: net worth / assets of 8.50%.
  • Funding: loans stand at 71.12% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

-0.97%-162 bps YoY

Net Interest Margin (YTD, annualized)

3.72%-14 bps YoY

Efficiency Ratio (YTD, annualized)

67.04%+484 bps YoY

Net Worth / Assets

8.50%
n/a

Year to date, annualized, through each quarter.

MetricQ1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets4.64%4.37%0.57%0.64%0.30%0.55%-1.36%-0.97%-162 bps
Return on Equityn/an/an/an/an/an/an/a-11.46%n/an/a
Net Interest Marginn/an/a3.86%3.86%4.16%4.04%4.00%3.72%-14 bps
Efficiency Ration/an/a62.23%62.21%62.71%62.74%64.61%67.04%+484 bps
Growth
Asset Growth (YoY)10.84%9.03%2.61%-0.39%-2.52%-4.59%-4.44%0.83%+122 bps
Loan Growth (YoY)14.32%2.60%-2.68%-3.66%-3.86%-3.38%-3.40%-5.85%-218 bps
Share Growth (YoY)11.91%10.12%2.79%-0.86%-2.61%-5.41%-3.83%2.46%+333 bps
Asset Quality
Delinquent Loans / Loans1.97%3.34%2.92%3.55%3.11%3.15%1.86%4.25%+70 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.79%0.91%1.00%0.90%2.16%2.14%2.02%1.87%+97 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a8.50%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a8.50%n/an/a
Liquidity & Funding
Loans / Shares77.66%75.12%76.32%77.40%76.66%76.73%76.66%71.12%-628 bps
Liquid Assets / Assets15.09%16.59%13.83%14.83%15.57%2.55%4.30%19.26%+443 bps