PackageTrendsPeer
Letter portraitLegal landscape

Trinity

Ennis, TX · Charter 67591

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

Trinity

Ennis, TX · Charter 67591

Q4 1999

$792KAssets
$641KLoans
$694KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -4.50%, down 875 bps year over year; NIM at 8.91%.
  • Asset quality: problem loans at 5.48% of loans (+155 bps YoY).
  • Funding: loans stand at 92.34% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

-4.50%-875 bps YoY

Net Interest Margin (YTD, annualized)

8.91%
n/a

Efficiency Ratio (YTD, annualized)

65.42%
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 Assets4.25%4.39%4.39%4.25%4.30%2.53%-2.43%-4.50%-875 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a8.91%n/an/a
Efficiency Ration/an/an/an/an/an/an/a65.42%n/an/a
Growth
Asset Growth (YoY)5.51%1.74%3.17%8.68%18.22%25.14%9.07%-8.34%-1,702 bps
Loan Growth (YoY)30.44%19.39%-4.07%1.28%12.30%16.87%10.62%-3.08%-436 bps
Share Growth (YoY)4.25%-0.36%1.17%7.67%18.92%26.50%11.87%-6.55%-1,421 bps
Asset Quality
Delinquent Loans / Loans1.74%4.01%3.01%3.92%3.69%11.53%5.20%5.48%+155 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.27%1.92%1.35%1.13%1.89%1.58%1.22%0.77%-36 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 / Shares87.92%98.40%91.12%89.04%83.02%90.91%90.11%92.34%+330 bps
Liquid Assets / Assets18.07%12.93%15.56%14.52%21.94%13.45%12.16%3.79%-1,074 bps