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Alice City Employees

Alice, TX · Charter 17129

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

Alice City Employees

Alice, TX · Charter 17129

Q4 2001

$730KAssets
$456KLoans
$534KShares
$196KNet Worth

Executive Summary

  • Earnings: ROA of 2.78%, up 396 bps year over year; NIM at 7.53%.
  • Asset quality: problem loans at 18.24% of loans (+1,369 bps YoY).
  • Capital: net worth / assets of 26.88%.
  • Funding: loans stand at 85.35% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

2.78%+396 bps YoY

Net Interest Margin (YTD, annualized)

7.53%+180 bps YoY

Efficiency Ratio (YTD, annualized)

64.71%-1,317 bps YoY

Net Worth / Assets

26.88%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets4.34%4.31%2.14%-1.18%1.98%-0.38%1.25%2.78%+396 bps
Return on Equityn/an/an/an/an/a-1.58%4.47%10.35%n/a
Net Interest Marginn/an/an/a5.74%6.00%6.54%7.09%7.53%+180 bps
Efficiency Ration/an/an/a77.88%63.43%57.65%78.90%64.71%-1,317 bps
Growth
Asset Growth (YoY)1.94%0.60%-25.02%-19.58%-17.32%-20.04%-24.90%-18.63%+95 bps
Loan Growth (YoY)11.45%16.90%35.12%18.18%3.26%-10.80%-25.36%-25.31%-4,349 bps
Share Growth (YoY)1.32%-1.11%-30.67%-23.47%-21.65%-22.20%-30.86%-23.64%-17 bps
Asset Quality
Delinquent Loans / Loans2.64%2.78%8.04%4.55%3.54%12.90%5.71%18.24%+1,369 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.34%1.35%3.15%1.96%2.32%6.84%7.15%6.36%+440 bps
Capital
Risk-Based Capitaln/an/an/an/an/a23.86%27.97%26.88%n/a
Net Worth / Assetsn/an/an/an/an/a23.86%27.97%26.88%n/a
Liquidity & Funding
Loans / Shares66.91%75.67%86.93%87.26%88.18%86.75%93.84%85.35%-191 bps
Liquid Assets / Assets43.77%13.34%30.01%29.95%28.34%30.88%30.41%40.56%+1,061 bps