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Razorback

Fayetteville, AR · Charter 13160

Q3 2002

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: Q3 2002, the quarter ended September 30, 2002, 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

Razorback

Fayetteville, AR · Charter 13160

Q3 2002

$1.9MAssets
$1.1MLoans
$1.7MShares
$230KNet Worth

Executive Summary

  • Earnings: ROA of 0.06%, down 30 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 1.82% of loans (-20 bps YoY).
  • Capital: net worth / assets of 12.05%, up 8 bps from a year ago.
  • Funding: loans stand at 63.01% of shares as of Q3 2002.

Return on Assets (YTD, annualized)

0.06%-30 bps YoY

Net Interest Margin (YTD, annualized)

3.66%-95 bps YoY

Efficiency Ratio (YTD, annualized)

92.42%+996 bps YoY

Net Worth / Assets

12.05%+8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets3.76%0.54%0.10%0.36%-0.11%0.27%0.25%0.06%-30 bps
Return on Equityn/an/an/a2.97%-0.89%2.23%2.14%0.48%-249 bps
Net Interest Marginn/a4.74%4.28%4.61%4.44%4.21%3.56%3.66%-95 bps
Efficiency Ration/a77.55%79.14%82.46%94.02%89.93%93.11%92.42%+996 bps
Growth
Asset Growth (YoY)3.94%-6.17%0.78%-7.46%-10.06%0.62%0.10%1.98%+945 bps
Loan Growth (YoY)9.29%-3.01%4.28%5.80%-4.01%-10.51%-25.70%-32.78%-3,858 bps
Share Growth (YoY)2.38%-8.54%-0.33%-9.28%-11.77%0.13%-0.21%2.15%+1,143 bps
Asset Quality
Delinquent Loans / Loans0.73%0.77%1.96%2.02%1.27%1.95%1.36%1.82%-20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.93%1.37%1.56%1.15%0.96%0.89%1.06%1.14%-1 bps
Capital
Risk-Based Capitaln/an/an/a11.97%11.89%12.12%11.80%12.05%+8 bps
Net Worth / Assetsn/an/an/a11.97%11.89%12.12%11.80%12.05%+8 bps
Liquidity & Funding
Loans / Shares81.02%90.22%90.53%95.74%88.14%80.64%67.41%63.01%-3,273 bps
Liquid Assets / Assets22.24%18.23%0.00%15.10%21.76%27.39%38.70%42.64%+2,754 bps