PackageTrendsPeer
Letter portraitLegal landscape

Norton Employees

Stephenville, TX · Charter 67533

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

Norton Employees

Stephenville, TX · Charter 67533

Q4 1999

$1.3MAssets
$846KLoans
$1.1MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.46%, down 330 bps year over year; NIM at 5.72%.
  • Asset quality: problem loans at 12.92% of loans (+412 bps YoY).
  • Funding: loans stand at 73.54% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

0.46%-330 bps YoY

Net Interest Margin (YTD, annualized)

5.72%
n/a

Efficiency Ratio (YTD, annualized)

81.91%
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 Assets5.71%6.57%4.19%3.76%6.83%-0.80%3.01%0.46%-330 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a5.72%n/an/a
Efficiency Ration/an/an/an/an/an/an/a81.91%n/an/a
Growth
Asset Growth (YoY)-13.03%-5.69%5.95%14.84%25.56%21.28%15.43%-5.10%-1,993 bps
Loan Growth (YoY)71.06%50.11%30.14%27.35%21.27%13.83%2.86%-7.53%-3,488 bps
Share Growth (YoY)-18.86%-10.76%6.27%16.00%27.98%35.09%27.64%-0.81%-1,681 bps
Asset Quality
Delinquent Loans / Loans1.08%2.23%3.23%8.80%10.67%6.31%3.04%12.92%+412 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.33%2.27%3.03%3.22%3.55%7.07%7.04%7.97%+475 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 / Shares80.53%92.91%79.97%78.89%76.30%78.29%64.44%73.54%-535 bps
Liquid Assets / Assets26.89%17.87%27.02%23.85%27.88%26.73%37.24%28.88%+503 bps