Ennis, TX · Charter 67591
Q4 1999
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Ennis, TX · Charter 67591
Q4 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.25% | 4.30% | 2.53% | -2.43% | -4.50% | -875 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 8.91% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 65.42% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 8.68% | 18.22% | 25.14% | 9.07% | -8.34% | -1,702 bps | |
| Loan Growth (YoY) | 1.28% | 12.30% | 16.87% | 10.62% | -3.08% | -436 bps | |
| Share Growth (YoY) | 7.67% | 18.92% | 26.50% | 11.87% | -6.55% | -1,421 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.92% | 3.69% | 11.53% | 5.20% | 5.48% | +155 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.13% | 1.89% | 1.58% | 1.22% | 0.77% | -36 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.04% | 83.02% | 90.91% | 90.11% | 92.34% | +330 bps | |
| Liquid Assets / Assets | 14.52% | 21.94% | 13.45% | 12.16% | 3.79% | -1,074 bps | |