PackageTrendsPeer
Letter portraitLegal landscape

Goldsmith Employees

Memphis, TN · Charter 68159

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

Goldsmith Employees

Memphis, TN · Charter 68159

Q4 2000

$458KAssets
$326KLoans
$330KShares
$125KNet Worth

Executive Summary

  • Earnings: ROA of -0.08%, down 278 bps year over year; NIM at 7.03%.
  • Asset quality: problem loans at 0.35% of loans (-286 bps YoY).
  • Capital: net worth / assets of 27.38%.
  • Funding: loans stand at 99.02% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

-0.08%-278 bps YoY

Net Interest Margin (YTD, annualized)

7.03%

Efficiency Ratio (YTD, annualized)

92.06%

Net Worth / Assets

27.38%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.42%3.58%2.49%2.70%1.99%2.25%2.02%-0.08%-278 bps
Return on Equityn/an/an/an/an/an/an/a-0.29%n/an/a
Net Interest Marginn/an/an/an/an/a8.83%8.22%7.03%n/a
Efficiency Ration/an/an/an/an/a76.14%77.30%92.06%n/a
Growth
Asset Growth (YoY)-2.74%-9.47%-8.84%-10.84%-18.45%-9.74%-7.74%-7.59%+326 bps
Loan Growth (YoY)-2.94%-9.84%-11.63%-5.27%-20.07%-16.27%-23.64%-26.04%-2,077 bps
Share Growth (YoY)-6.62%-16.73%-15.93%-17.83%-27.04%-14.22%-11.50%-12.23%+561 bps
Asset Quality
Delinquent Loans / Loans5.42%5.06%8.97%3.22%3.10%6.13%7.55%0.35%-286 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.46%2.47%2.49%2.54%2.64%2.82%2.70%2.73%+19 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a27.38%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a27.38%n/an/a
Liquidity & Funding
Loans / Shares109.77%115.48%113.95%117.50%120.26%112.73%98.31%99.02%-1,848 bps
Liquid Assets / Assets6.06%7.41%6.74%5.23%5.05%0.00%0.00%28.40%+2,317 bps