PackageTrendsPeer
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I B E W

Knoxville, TN · Charter 14004

Q1 2005

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: 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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

I B E W

Knoxville, TN · Charter 14004

Q1 2005

$6.2MAssets
$3.1MLoans
$5.4MShares
$736KNet Worth

Executive Summary

  • Earnings: ROA of 0.62%, up 128 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 2.17% of loans (+55 bps YoY).
  • Capital: net worth / assets of 11.91%, up 109 bps from a year ago.
  • Funding: loans stand at 57.12% of shares as of Q1 2005.

Return on Assets (YTD, annualized)

0.62%+128 bps YoY

Net Interest Margin (YTD, annualized)

3.17%-11 bps YoY

Efficiency Ratio (YTD, annualized)

100.53%+1,141 bps YoY

Net Worth / Assets

11.91%+109 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.22%0.75%0.76%-0.66%-0.24%-0.18%-0.27%0.62%+128 bps
Return on Equity2.16%7.10%6.98%-6.11%-2.15%-1.63%-2.32%5.20%+1,131 bps
Net Interest Margin3.09%3.20%3.28%3.28%3.34%3.27%3.42%3.17%-11 bps
Efficiency Ratio99.08%89.67%87.66%89.12%94.79%94.45%95.03%100.53%+1,141 bps
Growth
Asset Growth (YoY)11.00%5.51%2.34%-1.92%-4.57%-4.43%-8.79%-8.64%-672 bps
Loan Growth (YoY)23.29%45.84%34.85%32.71%0.34%-9.47%-12.42%-12.52%-4,523 bps
Share Growth (YoY)12.35%5.75%1.92%-2.83%-5.47%-4.84%-9.52%-9.74%-691 bps
Asset Quality
Delinquent Loans / Loans1.90%0.60%1.85%1.61%0.75%0.15%2.06%2.17%+55 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.27%0.00%0.01%0.29%0.19%0.31%0.48%0.19%-10 bps
Capital
Risk-Based Capital10.15%10.54%10.86%10.83%11.19%11.09%11.64%11.91%+109 bps
Net Worth / Assets10.15%10.54%10.86%10.83%11.19%11.09%11.64%11.91%+109 bps
Liquidity & Funding
Loans / Shares55.25%59.08%59.63%58.93%58.64%56.21%57.72%57.12%-181 bps
Liquid Assets / Assets24.68%26.64%18.81%23.81%23.42%27.31%26.51%22.98%-83 bps