Forrest City, AR · Charter 24424
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Forrest City, AR · Charter 24424
Q4 2001
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | -3.36% | -2.30% | -0.79% | -4.97% | -550 bps | |
| Return on Equity | n/a | n/a | -21.93% | -7.14% | -45.59% | n/a | |
| Net Interest Margin | 3.26% | 2.20% | 2.32% | 2.25% | 3.26% | 0 bps | |
| Efficiency Ratio | 74.65% | 110.59% | 95.53% | 128.40% | 104.86% | +3,021 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.52% | -11.74% | 1.31% | -1.75% | -27.36% | -1,684 bps | |
| Loan Growth (YoY) | 5.47% | -17.62% | -32.53% | -41.95% | -59.77% | -6,525 bps | |
| Share Growth (YoY) | -12.53% | -12.92% | 4.20% | 0.81% | -25.24% | -1,271 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.31% | 12.91% | 11.78% | 11.41% | 17.15% | +984 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.51% | 1.50% | 3.53% | 1.81% | 4.68% | +417 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 10.49% | 11.03% | 10.90% | n/a | |
| Net Worth / Assets | n/a | n/a | 10.49% | 11.03% | 10.90% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.55% | 57.20% | 48.50% | 44.28% | 40.11% | -3,444 bps | |
| Liquid Assets / Assets | 14.08% | 23.97% | 48.00% | 50.66% | 64.09% | +5,001 bps | |