PackageTrendsPeer
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Arkansas Central

Little Rock, AR · Charter 23984

Q4 1999

$18.8MAssets
$13.9MLoans
$16.5MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.35%, down 383 bps year over year; NIM at 4.76%.
  • Asset quality: problem loans at 1.02% of loans (+29 bps YoY).
  • Funding: loans stand at 84.17% of shares as of Q4 1999.

Return on Assets (quarter, annualized)

1.35%-383 bps YoY

Net Interest Margin (quarter, annualized)

4.76%
n/a

Efficiency Ratio (quarter, annualized)

71.41%
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.93%4.93%4.96%5.18%5.05%5.11%4.65%1.35%-383 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a4.76%n/an/a
Efficiency Ration/an/an/an/an/an/an/a71.41%n/an/a
Growth
Asset Growth (YoY)19.79%27.91%28.26%27.02%29.44%23.27%19.97%15.91%-1,111 bps
Loan Growth (YoY)27.22%24.98%20.99%20.35%14.66%11.10%9.58%7.57%-1,278 bps
Share Growth (YoY)18.01%26.70%26.84%25.57%28.54%21.68%18.50%13.77%-1,180 bps
Asset Quality
Delinquent Loans / Loans0.64%1.12%0.52%0.73%0.76%1.48%1.14%1.02%+29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.56%0.70%0.60%0.58%0.56%0.63%0.67%0.67%+9 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 / Shares93.26%94.62%85.49%89.02%83.19%86.39%79.06%84.17%-485 bps
Liquid Assets / Assets13.26%11.70%15.91%15.45%20.16%18.81%19.15%13.87%-158 bps