Searcy, AR · Charter 24436
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Searcy, AR · Charter 24436
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.34% | 3.49% | 0.25% | -0.80% | -5.56% | -891 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -37.17% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 3.68% | 3.90% | -0.52% | n/a | |
| Efficiency Ratio | n/a | n/a | 99.14% | 120.49% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -4.63% | -10.34% | -17.50% | -25.00% | -25.36% | -2,073 bps | |
| Loan Growth (YoY) | -20.27% | -23.46% | -18.47% | -16.77% | -3.02% | +1,725 bps | |
| Share Growth (YoY) | -5.44% | -13.50% | -21.81% | -29.01% | -25.11% | -1,968 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.30% | 0.69% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.72% | 0.14% | 0.25% | 0.26% | 0.25% | -47 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 14.96% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 14.96% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.87% | 46.73% | 55.90% | 57.49% | 60.69% | +1,382 bps | |
| Liquid Assets / Assets | 50.89% | 51.03% | 39.35% | 44.86% | 43.00% | -789 bps | |