Harrison, AR · Charter 24488
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.06% | 4.95% | 5.06% | 4.42% | 1.75% | 2.58% | 3.20% | 2.93% | -149 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 30.55% | 31.13% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.40% | 5.18% | 5.64% | 4.64% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 67.30% | 59.17% | 57.05% | 57.05% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 44.87% | 44.55% | 54.39% | 46.92% | 54.04% | 44.01% | 50.55% | 53.47% | +655 bps | |
| Loan Growth (YoY) | 84.78% | 130.98% | 105.86% | 87.50% | 65.11% | 67.92% | 63.74% | 53.33% | -3,417 bps | |
| Share Growth (YoY) | 39.71% | 41.29% | 53.30% | 45.85% | 53.79% | 41.68% | 46.70% | 50.60% | +475 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.12% | 3.15% | 2.00% | 1.00% | 0.69% | 0.27% | 0.05% | 0.07% | -92 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.98% | 0.43% | 0.96% | 0.85% | 1.12% | 0.85% | 0.81% | 0.69% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 10.49% | 9.42% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 10.49% | 9.42% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.66% | 89.10% | 96.74% | 81.93% | 104.84% | 105.60% | 107.98% | 83.42% | +149 bps | |
| Liquid Assets / Assets | 1.74% | 0.00% | 0.00% | 15.44% | 2.26% | 2.89% | 3.15% | 23.29% | +785 bps | |