Knoxville, TN · Charter 14004
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Knoxville, TN · Charter 14004
Q1 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.66% | -0.24% | -0.18% | -0.27% | 0.62% | +128 bps | |
| Return on Equity | -6.11% | -2.15% | -1.63% | -2.32% | 5.20% | +1,131 bps | |
| Net Interest Margin | 3.28% | 3.34% | 3.27% | 3.42% | 3.17% | -11 bps | |
| Efficiency Ratio | 89.12% | 94.79% | 94.45% | 95.03% | 100.53% | +1,141 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.92% | -4.57% | -4.43% | -8.79% | -8.64% | -672 bps | |
| Loan Growth (YoY) | 32.71% | 0.34% | -9.47% | -12.42% | -12.52% | -4,523 bps | |
| Share Growth (YoY) | -2.83% | -5.47% | -4.84% | -9.52% | -9.74% | -691 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.61% | 0.75% | 0.15% | 2.06% | 2.17% | +55 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.29% | 0.19% | 0.31% | 0.48% | 0.19% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.83% | 11.19% | 11.09% | 11.64% | 11.91% | +109 bps | |
| Net Worth / Assets | 10.83% | 11.19% | 11.09% | 11.64% | 11.91% | +109 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.93% | 58.64% | 56.21% | 57.72% | 57.12% | -181 bps | |
| Liquid Assets / Assets | 23.81% | 23.42% | 27.31% | 26.51% | 22.98% | -83 bps | |