Arkansas Western Employees

Fayetteville, AR · Charter 63603

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.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Fayetteville, AR · Charter 63603

Q4 2000

$2.6MAssets

$1.4MLoans

$2.4MShares

$186KNet Worth

Return on Assets (YTD, annualized)

-0.58%-711 bps YoY

Net Interest Margin (YTD, annualized)

-0.12%

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

7.28%

n/a

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	6.01%	6.17%	6.36%	6.53%	6.06%	1.74%	1.64%	-0.58%	-711 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	-7.91%	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	2.17%	1.92%	-0.12%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	11.55%	14.17%	n/a	n/a
Growth
Asset Growth (YoY)	27.75%	28.92%	24.83%	21.80%	14.48%	6.55%	0.50%	-20.56%	-4,236 bps
Loan Growth (YoY)	1.34%	27.85%	55.25%	56.94%	35.67%	8.99%	-16.06%	-20.61%	-7,755 bps
Share Growth (YoY)	28.88%	30.08%	25.55%	21.21%	12.71%	3.63%	-3.16%	-22.88%	-4,409 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.07%	0.00%	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	n/a	n/a	n/a
Allowance / Loans	0.06%	0.09%	0.07%	0.07%	0.08%	0.08%	0.09%	0.11%	+4 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	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	n/a	n/a	n/a	7.28%	n/a	n/a
Liquidity & Funding
Loans / Shares	43.95%	51.11%	58.37%	58.73%	52.91%	53.75%	50.60%	60.46%	+173 bps
Liquid Assets / Assets	53.28%	44.93%	38.95%	38.08%	45.20%	42.94%	40.81%	42.43%	+435 bps