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Trane Southern

Clarksville, TN · Charter 14474

Q4 2001

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 2001, the quarter ended December 31, 2001, 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

Trane Southern

Clarksville, TN · Charter 14474

Q4 2001

$20.1MAssets
$12.5MLoans
$18.8MShares
$818KNet Worth

Executive Summary

  • Earnings: ROA of -4.10%, down 464 bps year over year; NIM at -0.42%.
  • Asset quality: problem loans at 0.87% of loans (-86 bps YoY).
  • Capital: net worth / assets of 4.06%.
  • Funding: loans stand at 66.32% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-4.10%-464 bps YoY

Net Interest Margin (YTD, annualized)

-0.42%-422 bps YoY

Efficiency Ratio (YTD, annualized)

4748%+467,905 bps YoY

Net Worth / Assets

4.06%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets2.72%3.47%2.98%0.54%0.32%0.30%-1.10%-4.10%-464 bps
Return on Equityn/an/an/an/an/a3.14%-13.97%-100.95%n/a
Net Interest Marginn/an/an/a3.80%3.26%3.31%2.93%-0.42%-422 bps
Efficiency Ration/an/an/a69.09%76.48%75.75%90.21%4748%+467,905 bps
Growth
Asset Growth (YoY)17.84%27.59%32.22%39.01%25.75%20.62%15.64%13.64%-2,537 bps
Loan Growth (YoY)24.33%25.52%73.02%65.96%72.86%59.73%16.55%-9.50%-7,546 bps
Share Growth (YoY)19.39%32.55%38.68%39.09%26.08%18.18%19.01%26.91%-1,218 bps
Asset Quality
Delinquent Loans / Loans2.92%2.53%1.45%1.72%2.32%3.06%2.22%0.87%-86 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.17%1.24%0.18%0.61%0.93%1.07%1.59%2.00%+140 bps
Capital
Risk-Based Capitaln/an/an/an/an/a9.62%7.84%4.06%n/a
Net Worth / Assetsn/an/an/an/an/a9.62%7.84%4.06%n/a
Liquidity & Funding
Loans / Shares72.61%73.13%82.29%93.00%99.55%98.84%80.59%66.32%-2,668 bps
Liquid Assets / Assets34.01%28.17%17.03%12.25%4.67%4.83%20.04%26.75%+1,450 bps