Fayetteville, AR · Charter 63603
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.
Fayetteville, AR · Charter 63603
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 | 6.53% | 6.06% | 1.74% | 1.64% | -0.58% | -711 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -7.91% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 2.17% | 1.92% | -0.12% | n/a | |
| Efficiency Ratio | n/a | n/a | 11.55% | 14.17% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 21.80% | 14.48% | 6.55% | 0.50% | -20.56% | -4,236 bps | |
| Loan Growth (YoY) | 56.94% | 35.67% | 8.99% | -16.06% | -20.61% | -7,755 bps | |
| Share Growth (YoY) | 21.21% | 12.71% | 3.63% | -3.16% | -22.88% | -4,409 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.27% | 0.21% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.07% | 0.08% | 0.08% | 0.09% | 0.11% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 7.28% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 7.28% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.73% | 52.91% | 53.75% | 50.60% | 60.46% | +173 bps | |
| Liquid Assets / Assets | 38.08% | 45.20% | 42.94% | 40.81% | 42.43% | +435 bps | |