PackageTrendsPeer
Letter portraitLegal landscape

J & L Tin Plate Dept Employee

Aliquippa, PA · Charter 9505

Q4 2001

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 2001, the quarter ended December 31, 2001, 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

J & L Tin Plate Dept Employee

Aliquippa, PA · Charter 9505

Q4 2001

$3.7MAssets
$1.4MLoans
$3.3MShares
$351KNet Worth

Executive Summary

  • Earnings: ROA of 0.37%, down 16 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 6.89% of loans (+408 bps YoY).
  • Capital: net worth / assets of 9.49%.
  • Funding: loans stand at 42.96% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.37%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.42%+69 bps YoY

Efficiency Ratio (YTD, annualized)

89.27%+864 bps YoY

Net Worth / Assets

9.49%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets4.38%4.28%4.16%0.53%0.90%0.88%0.98%0.37%-16 bps
Return on Equityn/an/an/an/an/a9.99%10.84%3.90%n/a
Net Interest Marginn/an/an/a2.73%3.27%3.14%3.20%3.42%+69 bps
Efficiency Ration/an/an/a80.63%72.34%74.17%69.92%89.27%+864 bps
Growth
Asset Growth (YoY)20.92%22.00%17.77%19.42%16.56%11.22%10.25%0.95%-1,847 bps
Loan Growth (YoY)10.27%10.03%-2.04%-0.34%13.48%10.82%4.80%-7.96%-762 bps
Share Growth (YoY)20.30%21.63%17.36%19.44%16.34%10.66%9.72%0.11%-1,934 bps
Asset Quality
Delinquent Loans / Loans1.06%0.87%0.22%2.80%4.80%4.10%4.62%6.89%+408 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.23%0.24%0.26%0.25%0.26%0.63%0.22%0.71%+45 bps
Capital
Risk-Based Capitaln/an/an/an/an/a8.86%9.03%9.49%n/a
Net Worth / Assetsn/an/an/an/an/a8.86%9.03%9.49%n/a
Liquidity & Funding
Loans / Shares50.82%48.00%47.56%46.72%49.57%48.07%45.43%42.96%-377 bps
Liquid Assets / Assets33.12%43.02%50.82%32.77%52.81%55.97%58.13%60.71%+2,794 bps