PackageTrendsPeer
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O.L.O.R.

Eagle Pass, TX · Charter 10152

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

O.L.O.R.

Eagle Pass, TX · Charter 10152

Q4 2000

$94KAssets
$48KLoans
$70KShares
$21KNet Worth

Executive Summary

  • Earnings: ROA of 1.93%, up 118 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 19.55% of loans (-2,739 bps YoY).
  • Capital: net worth / assets of 22.61%.
  • Funding: loans stand at 69.19% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

1.93%+118 bps YoY

Net Interest Margin (YTD, annualized)

3.49%

Efficiency Ratio (YTD, annualized)

48.91%

Net Worth / Assets

22.61%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets2.74%2.31%-5.91%0.75%11.83%8.53%1.06%1.93%+118 bps
Return on Equityn/an/an/an/an/an/an/a8.54%n/an/a
Net Interest Marginn/an/an/an/an/a7.55%9.13%3.49%n/a
Efficiency Ration/an/an/an/an/a11.63%24.33%48.91%n/a
Growth
Asset Growth (YoY)-27.71%-26.38%-13.13%-4.82%1.12%4.92%7.05%2.97%+779 bps
Loan Growth (YoY)-24.56%-1.36%-7.25%17.60%11.92%-5.62%-18.03%-30.58%-4,819 bps
Share Growth (YoY)-31.38%-30.37%-9.38%-3.94%-3.43%-1.09%-1.70%-4.24%-30 bps
Asset Quality
Delinquent Loans / Loans7.09%6.06%20.91%46.93%16.78%16.78%40.89%19.55%-2,739 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans8.49%7.16%18.33%15.68%17.18%17.18%6.03%6.09%-959 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a22.61%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a22.61%n/an/a
Liquidity & Funding
Loans / Shares74.10%90.00%81.57%95.45%85.88%85.88%68.01%69.19%-2,626 bps
Liquid Assets / Assets30.68%27.61%31.44%30.98%29.36%0.00%31.24%51.14%+2,017 bps