PackageTrendsPeer
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Kellwood Company, Calhoun Employees

Calhoun City, MS · Charter 6884

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

Kellwood Company, Calhoun Employees

Calhoun City, MS · Charter 6884

Q4 1999

$237KAssets
$114KLoans
$189KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.24%, down 442 bps year over year; NIM at 6.59%.
  • Asset quality: problem loans at 11.65% of loans (+968 bps YoY).
  • Funding: loans stand at 60.42% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

0.24%-442 bps YoY

Net Interest Margin (YTD, annualized)

6.59%
n/a

Efficiency Ratio (YTD, annualized)

77.45%
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 Assets4.32%3.56%4.08%4.66%5.39%6.05%3.97%0.24%-442 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a6.59%n/an/a
Efficiency Ration/an/an/an/an/an/an/a77.45%n/an/a
Growth
Asset Growth (YoY)-3.64%-8.79%-10.90%-5.91%-2.52%-9.47%0.00%-21.53%-1,562 bps
Loan Growth (YoY)-36.85%-35.96%-24.09%-20.14%-2.87%-0.18%-22.71%-40.52%-2,038 bps
Share Growth (YoY)5.66%-10.86%-9.84%-11.39%-8.82%-11.47%-7.08%-26.80%-1,542 bps
Asset Quality
Delinquent Loans / Loans4.17%2.19%0.00%1.97%2.90%1.02%0.99%11.65%+968 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans3.57%2.36%2.49%3.08%4.10%2.25%3.65%4.13%+105 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 / Shares63.54%69.87%61.79%74.36%67.69%78.78%51.40%60.42%-1,394 bps
Liquid Assets / Assets38.71%32.61%32.76%33.77%29.42%26.30%30.57%39.90%+613 bps