PackageTrendsPeer
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American Freightways

Harrison, AR · Charter 24488

Q2 2001

$8.0MAssets
$6.0MLoans
$7.2MShares
$749KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.93%, down 149 bps year over year; NIM at 4.64%.
  • Asset quality: problem loans at 0.07% of loans (-92 bps YoY).
  • Capital: net worth / assets of 9.42%.
  • Funding: loans stand at 83.42% of shares as of Q2 2001.

Financial Results

Return on Assets (quarter, annualized)

2.93%-149 bps YoY

Net Interest Margin (quarter, annualized)

4.64%

Efficiency Ratio (quarter, annualized)

57.05%

Net Worth / Assets

9.42%

Discrete quarter, annualized.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets4.42%1.75%2.58%3.20%2.93%-149 bps
Return on Equityn/an/an/a30.55%31.13%n/a
Net Interest Marginn/a5.40%5.18%5.64%4.64%n/a
Efficiency Ration/a67.30%59.17%57.05%57.05%n/a
Growth
Asset Growth (YoY)46.92%54.04%44.01%50.55%53.47%+655 bps
Loan Growth (YoY)87.50%65.11%67.92%63.74%53.33%-3,417 bps
Share Growth (YoY)45.85%53.79%41.68%46.70%50.60%+475 bps
Asset Quality
Delinquent Loans / Loans1.00%0.69%0.27%0.05%0.07%-92 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.85%1.12%0.85%0.81%0.69%-16 bps
Capital
Risk-Based Capitaln/an/an/a10.49%9.42%n/a
Net Worth / Assetsn/an/an/a10.49%9.42%n/a
Liquidity & Funding
Loans / Shares81.93%104.84%105.60%107.98%83.42%+149 bps
Liquid Assets / Assets15.44%2.26%2.89%3.15%23.29%+785 bps