PackageTrendsPeer
Letter portraitLegal landscape

Grain Millers

Northglenn, CO · Charter 8502

Q2 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: Q2 2000, the quarter ended June 30, 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

Grain Millers

Northglenn, CO · Charter 8502

Q2 2000

$244KAssets
$100KLoans
$146KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -0.20%, down 247 bps year over year; NIM at 5.61%.
  • Asset quality: problem loans at 13.37% of loans (+588 bps YoY).
  • Funding: loans stand at 68.59% of shares as of Q2 2000.

Return on Assets (YTD, annualized)

-0.20%-247 bps YoY

Net Interest Margin (YTD, annualized)

5.61%

Efficiency Ratio (YTD, annualized)

94.74%

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets2.41%2.36%2.67%2.28%-0.49%0.53%-0.37%-0.20%-247 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a5.35%5.61%n/a
Efficiency Ration/an/an/an/an/an/a98.47%94.74%n/a
Growth
Asset Growth (YoY)-3.92%1.61%4.73%8.06%-15.43%-19.53%-26.90%-32.71%-4,077 bps
Loan Growth (YoY)-21.20%-12.14%32.19%18.12%-2.30%-2.78%-5.50%-12.40%-3,052 bps
Share Growth (YoY)-7.67%0.70%4.71%8.20%-21.31%-24.46%-35.49%-42.44%-5,065 bps
Asset Quality
Delinquent Loans / Loans0.00%7.22%5.37%7.49%12.60%7.22%13.58%13.37%+588 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.90%5.61%5.34%1.29%7.28%8.22%8.50%10.49%+919 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 / Shares48.80%45.22%48.27%45.07%60.59%58.20%70.71%68.59%+2,352 bps
Liquid Assets / Assets62.05%66.46%63.55%61.25%57.53%60.10%51.06%13.63%-4,762 bps