Clarksville, TN · Charter 14474
Q4 2001
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.32% | 0.30% | -1.10% | -4.10% | -464 bps | |
| Return on Equity | n/a | n/a | 3.14% | -13.97% | -100.95% | n/a | |
| Net Interest Margin | 3.80% | 3.26% | 3.31% | 2.93% | -0.42% | -422 bps | |
| Efficiency Ratio | 69.09% | 76.48% | 75.75% | 90.21% | 4748% | +467,905 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 39.01% | 25.75% | 20.62% | 15.64% | 13.64% | -2,537 bps | |
| Loan Growth (YoY) | 65.96% | 72.86% | 59.73% | 16.55% | -9.50% | -7,546 bps | |
| Share Growth (YoY) | 39.09% | 26.08% | 18.18% | 19.01% | 26.91% | -1,218 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.72% | 2.32% | 3.06% | 2.22% | 0.87% | -86 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.93% | 1.07% | 1.59% | 2.00% | +140 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 9.62% | 7.84% | 4.06% | n/a | |
| Net Worth / Assets | n/a | n/a | 9.62% | 7.84% | 4.06% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.00% | 99.55% | 98.84% | 80.59% | 66.32% | -2,668 bps | |
| Liquid Assets / Assets | 12.25% | 4.67% | 4.83% | 20.04% | 26.75% | +1,450 bps | |