PackageTrendsPeer
Letter portraitLegal landscape

Midland Gulf

Midland, TX · Charter 9948

Q2 2000

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: Q2 2000, the quarter ended June 30, 2000, 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

Midland Gulf

Midland, TX · Charter 9948

Q2 2000

$2.6MAssets
$2.3MLoans
$2.2MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -0.64%, down 504 bps year over year; NIM at 4.57%.
  • Asset quality: problem loans at 1.30% of loans (-131 bps YoY).
  • Funding: loans stand at 102.29% of shares as of Q2 2000.

Return on Assets (YTD, annualized)

-0.64%-504 bps YoY

Net Interest Margin (YTD, annualized)

4.57%

Efficiency Ratio (YTD, annualized)

67.65%

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets4.27%5.28%5.05%4.39%4.63%4.30%0.67%-0.64%-504 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a3.32%4.57%n/a
Efficiency Ration/an/an/an/an/an/a76.00%67.65%n/a
Growth
Asset Growth (YoY)-14.42%-6.46%7.18%33.34%42.33%74.04%52.98%-0.43%-3,377 bps
Loan Growth (YoY)-15.48%-15.93%-0.08%26.97%49.96%50.33%41.51%21.51%-546 bps
Share Growth (YoY)-17.65%-9.07%6.64%36.91%47.02%84.61%59.66%-1.28%-3,819 bps
Asset Quality
Delinquent Loans / Loans5.77%5.84%3.72%2.61%2.95%4.35%0.76%1.30%-131 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.64%1.52%1.30%1.12%1.01%0.96%0.57%1.79%+67 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 / Shares84.61%93.23%94.84%83.10%86.30%75.92%84.07%102.29%+1,919 bps
Liquid Assets / Assets25.43%17.74%17.08%24.83%19.38%29.38%22.65%0.00%-2,483 bps