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Norton

Brownsville, TX · Charter 22602

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

Norton

Brownsville, TX · Charter 22602

Q4 2001

$589KAssets
$178KLoans
$438KShares
$161KNet Worth

Executive Summary

  • Earnings: ROA of 2.79%, up 252 bps year over year; NIM at 5.73%.
  • Asset quality: problem loans at 0.34% of loans (+34 bps YoY).
  • Capital: net worth / assets of 27.30%.
  • Funding: loans stand at 40.71% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

2.79%+252 bps YoY

Net Interest Margin (YTD, annualized)

5.73%+254 bps YoY

Efficiency Ratio (YTD, annualized)

49.25%-4,066 bps YoY

Net Worth / Assets

27.30%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets4.22%4.68%3.97%0.27%0.74%0.58%2.64%2.79%+252 bps
Return on Equityn/an/an/an/an/a2.68%11.29%10.24%n/a
Net Interest Marginn/an/an/a3.19%4.31%4.16%5.88%5.73%+254 bps
Efficiency Ration/an/an/a89.92%74.94%71.44%51.36%49.25%-4,066 bps
Growth
Asset Growth (YoY)21.84%3.97%20.17%8.22%-1.34%14.48%1.58%-4.77%-1,298 bps
Loan Growth (YoY)-1.89%-40.23%-41.07%-0.73%10.88%21.32%12.92%-0.63%+10 bps
Share Growth (YoY)24.75%13.56%26.84%12.23%1.21%17.33%-1.15%-9.91%-2,213 bps
Asset Quality
Delinquent Loans / Loans0.00%1.57%0.00%0.00%0.21%0.00%0.18%0.34%+34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.94%3.17%3.46%2.94%2.74%1.11%3.06%2.95%+1 bps
Capital
Risk-Based Capitaln/an/an/an/an/a21.65%23.38%27.30%n/a
Net Worth / Assetsn/an/an/an/an/a21.65%23.38%27.30%n/a
Liquidity & Funding
Loans / Shares33.74%38.02%29.46%36.91%36.96%39.31%33.65%40.71%+380 bps
Liquid Assets / Assets53.10%40.70%59.61%45.59%54.03%56.50%66.85%64.66%+1,907 bps