Greeneville, TN · Charter 15549
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Greeneville, TN · Charter 15549
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.03% | 2.01% | 1.72% | 1.83% | 0.99% | -104 bps | |
| Return on Equity | 20.33% | 19.27% | 15.57% | 15.01% | 8.29% | -1,204 bps | |
| Net Interest Margin | 5.90% | 5.83% | 5.84% | 6.08% | 4.39% | -150 bps | |
| Efficiency Ratio | 63.11% | 63.03% | 69.72% | 69.00% | 76.20% | +1,309 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.86% | 11.81% | 15.63% | -12.31% | -7.74% | -2,360 bps | |
| Loan Growth (YoY) | 25.23% | 23.31% | -17.82% | -5.97% | 7.13% | -1,810 bps | |
| Share Growth (YoY) | 14.97% | 9.27% | 16.26% | -15.74% | -9.16% | -2,413 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.00% | 2.11% | 2.11% | 2.11% | 2.17% | +17 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.99% | 10.46% | 11.02% | 12.18% | 11.99% | +200 bps | |
| Net Worth / Assets | 9.99% | 10.46% | 11.02% | 12.18% | 11.99% | +200 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.11% | 61.39% | 58.71% | 74.58% | 72.07% | +1,096 bps | |
| Liquid Assets / Assets | 37.19% | 44.82% | 41.27% | 31.01% | 37.07% | -12 bps | |