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First Energy

Houston, TX · Charter 68299

Q1 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: Q1 2001, the quarter ended March 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

First Energy

Houston, TX · Charter 68299

Q1 2001

$52.3MAssets
$35.3MLoans
$45.3MShares
$6.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.35%, up 25 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 1.19% of loans (+26 bps YoY).
  • Capital: net worth / assets of 11.95%.
  • Funding: loans stand at 77.91% of shares as of Q1 2001.

Return on Assets (YTD, annualized)

0.35%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.81%-34 bps YoY

Efficiency Ratio (YTD, annualized)

83.27%-655 bps YoY

Net Worth / Assets

11.95%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets3.86%3.50%0.36%0.10%0.13%-0.33%0.05%0.35%+25 bps
Return on Equityn/an/an/an/an/an/a0.44%2.96%n/a
Net Interest Marginn/an/a4.30%4.15%4.14%4.15%4.16%3.81%-34 bps
Efficiency Ration/an/a86.22%89.82%89.35%88.97%87.26%83.27%-655 bps
Growth
Asset Growth (YoY)n/an/a10.86%7.94%6.63%2.04%-2.26%-2.47%-1,041 bps
Loan Growth (YoY)n/an/a35.34%29.00%13.50%3.26%-4.99%-13.94%-4,294 bps
Share Growth (YoY)n/an/a11.31%8.85%7.51%3.40%-2.24%-2.93%-1,178 bps
Asset Quality
Delinquent Loans / Loans1.13%0.97%0.88%0.93%1.07%0.91%1.09%1.19%+26 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.94%0.83%0.73%0.66%0.70%1.15%0.94%1.05%+39 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a12.22%11.95%n/a
Net Worth / Assetsn/an/an/an/an/an/a12.22%11.95%n/a
Liquidity & Funding
Loans / Shares83.17%85.79%86.79%87.87%87.79%85.68%84.35%77.91%-996 bps
Liquid Assets / Assets18.41%19.58%14.47%13.88%12.62%12.10%19.92%23.58%+969 bps