Nashville, TN · Charter 13805
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.
Nashville, TN · Charter 13805
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 | 3.84% | 2.71% | 1.01% | 0.34% | 0.62% | -322 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 1.26% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 6.89% | 5.33% | 8.78% | n/a | |
| Efficiency Ratio | n/a | n/a | 85.81% | 93.76% | 93.08% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -11.14% | -19.73% | -7.90% | -12.52% | -36.47% | -2,533 bps | |
| Loan Growth (YoY) | 10.79% | 22.59% | 3.67% | -21.33% | -39.37% | -5,016 bps | |
| Share Growth (YoY) | -17.46% | -26.53% | -13.68% | -18.80% | -54.11% | -3,665 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.23% | 6.72% | 6.04% | 16.71% | 31.93% | +2,571 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.11% | 6.23% | 6.71% | 8.08% | 8.90% | +380 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 49.49% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 49.49% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 105.71% | 81.75% | 100.65% | 72.95% | 139.67% | +3,397 bps | |
| Liquid Assets / Assets | 21.36% | 32.58% | 20.30% | 36.58% | 33.85% | +1,249 bps | |