Little Rock, AR · Charter 63332
Q4 2000
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.58% | 5.04% | 4.07% | 3.68% | 3.94% | 0.58% | -0.12% | 0.65% | -302 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 5.95% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 2.43% | 2.41% | 2.54% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 73.81% | 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 / Loans | 0.00% | 0.22% | 1.42% | 1.41% | 1.52% | 7.73% | 0.00% | 0.60% | -81 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 | 0.43% | 0.52% | 1.09% | 1.70% | 2.05% | 0.60% | 0.00% | 0.10% | -160 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 10.98% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 10.98% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 19.46% | 25.08% | 27.46% | 27.37% | 27.58% | 31.18% | 41.05% | 46.43% | +1,906 bps | |
| Liquid Assets / Assets | 53.26% | 57.81% | 54.39% | 63.48% | 67.34% | 63.02% | 54.72% | 57.13% | -635 bps | |