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Austin College

Sherman, TX · Charter 20572

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

Austin College

Sherman, TX · Charter 20572

Q4 1999

$1.2MAssets
$476KLoans
$1.1MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -0.30%, down 508 bps year over year; NIM at 2.58%.
  • Asset quality: problem loans at 2.25% of loans (+134 bps YoY).
  • Funding: loans stand at 42.56% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

-0.30%-508 bps YoY

Net Interest Margin (YTD, annualized)

2.58%
n/a

Efficiency Ratio (YTD, annualized)

110.36%
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 Assets3.54%3.92%4.20%4.78%4.13%4.18%3.14%-0.30%-508 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a2.58%n/an/a
Efficiency Ration/an/an/an/an/an/an/a110.36%n/an/a
Growth
Asset Growth (YoY)-1.61%0.31%2.33%-5.69%6.71%8.70%8.60%2.32%+801 bps
Loan Growth (YoY)-8.40%-8.34%-23.26%-28.32%-22.62%-36.70%-34.57%-8.89%+1,943 bps
Share Growth (YoY)-4.28%-1.21%0.86%-8.51%5.84%5.58%8.79%7.99%+1,649 bps
Asset Quality
Delinquent Loans / Loans0.89%0.92%0.00%0.91%0.86%1.44%1.02%2.25%+134 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.60%0.79%1.23%1.04%1.03%1.40%1.51%1.28%+24 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 / Shares65.03%65.57%56.81%50.44%47.55%39.31%34.17%42.56%-788 bps
Liquid Assets / Assets3.07%14.74%8.46%21.44%47.39%56.82%54.72%36.34%+1,490 bps