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Little Rock Mun Water Works Empl

Little Rock, AR · Charter 63332

Q4 2000

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Little Rock Mun Water Works Empl

Little Rock, AR · Charter 63332

Q4 2000

$739KAssets
$306KLoans
$658KShares
$81KNet Worth

Executive Summary

  • Earnings: ROA of 0.65%, down 302 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 0.60% of loans (-81 bps YoY).
  • Capital: net worth / assets of 10.98%.
  • Funding: loans stand at 46.43% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

0.65%-302 bps YoY

Net Interest Margin (YTD, annualized)

2.54%

Efficiency Ratio (YTD, annualized)

61.98%

Net Worth / Assets

10.98%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets4.58%5.04%4.07%3.68%3.94%0.58%-0.12%0.65%-302 bps
Return on Equityn/an/an/an/an/an/an/a5.95%n/an/a
Net Interest Marginn/an/an/an/an/a2.43%2.41%2.54%n/a
Efficiency Ration/an/an/an/an/a73.81%81.54%61.98%n/a
Growth
Asset Growth (YoY)2.65%-2.84%-5.82%-0.81%-9.78%2.12%-0.63%-5.20%-439 bps
Loan Growth (YoY)27.67%90.75%68.72%74.42%25.06%22.11%40.52%57.95%-1,647 bps
Share Growth (YoY)0.88%-5.45%-7.70%-2.01%-11.77%-1.78%-6.00%-6.90%-488 bps
Asset Quality
Delinquent Loans / Loans0.00%0.22%1.42%1.41%1.52%7.73%0.00%0.60%-81 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.43%0.52%1.09%1.70%2.05%0.60%0.00%0.10%-160 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a10.98%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a10.98%n/an/a
Liquidity & Funding
Loans / Shares19.46%25.08%27.46%27.37%27.58%31.18%41.05%46.43%+1,906 bps
Liquid Assets / Assets53.26%57.81%54.39%63.48%67.34%63.02%54.72%57.13%-635 bps