PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Arkansas Western Employees

Fayetteville, AR · Charter 63603

Q4 2000

$2.6MAssets
$1.4MLoans
$2.4MShares
$186KNet Worth

Executive Summary

  • Earnings: ROA of -0.58%, down 711 bps year over year; NIM at -0.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 7.28%.
  • Funding: loans stand at 60.46% of shares as of Q4 2000.

Return on Assets (quarter, annualized)

-0.58%-711 bps YoY

Net Interest Margin (quarter, annualized)

-0.12%

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

7.28%
n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets6.01%6.17%6.36%6.53%6.06%1.74%1.64%-0.58%-711 bps
Return on Equityn/an/an/an/an/an/an/a-7.91%n/an/a
Net Interest Marginn/an/an/an/an/a2.17%1.92%-0.12%n/a
Efficiency Ration/an/an/an/an/a11.55%14.17%n/an/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 / Loans0.00%0.07%0.00%0.00%0.00%0.27%0.21%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.06%0.09%0.07%0.07%0.08%0.08%0.09%0.11%+4 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a7.28%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a7.28%n/an/a
Liquidity & Funding
Loans / Shares43.95%51.11%58.37%58.73%52.91%53.75%50.60%60.46%+173 bps
Liquid Assets / Assets53.28%44.93%38.95%38.08%45.20%42.94%40.81%42.43%+435 bps