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Epne

El Paso, TX · Charter 67577

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

Epne

El Paso, TX · Charter 67577

Q4 1999

$663KAssets
$571KLoans
$541KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -2.68%, down 622 bps year over year; NIM at 6.61%.
  • Asset quality: problem loans at 3.11% of loans (+66 bps YoY).
  • Funding: loans stand at 105.50% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

-2.68%-622 bps YoY

Net Interest Margin (YTD, annualized)

6.61%
n/a

Efficiency Ratio (YTD, annualized)

95.58%
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 Assets2.78%2.89%2.58%3.54%2.21%2.88%-2.50%-2.68%-622 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a6.61%n/an/a
Efficiency Ration/an/an/an/an/an/an/a95.58%n/an/a
Growth
Asset Growth (YoY)-22.41%-11.68%-10.96%1.15%-8.00%-4.20%-0.34%-2.77%-392 bps
Loan Growth (YoY)4.79%-11.89%-8.19%4.52%-0.50%0.41%-1.70%-2.94%-747 bps
Share Growth (YoY)-26.02%-14.93%-13.65%-0.47%-10.65%-6.35%-2.58%-0.76%-29 bps
Asset Quality
Delinquent Loans / Loans0.21%4.06%9.62%2.45%1.91%7.57%6.58%3.11%+66 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.22%2.23%2.22%2.10%1.29%0.35%2.76%2.67%+57 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 / Shares102.03%102.22%98.21%107.88%113.63%109.60%99.08%105.50%-238 bps
Liquid Assets / Assets16.23%16.21%20.48%10.57%6.22%5.91%17.60%12.72%+215 bps