Nashville, TN · Charter 16343
Q4 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1997, the quarter ended December 31, 1997, 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.
Nashville, TN · Charter 16343
Q4 1997
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.64% | 3.12% | -2.76% | -1.35% | -10.02% | -838 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | 2.36% | -35.72% | -41.59% | -42.79% | n/a | |
| Loan Growth (YoY) | n/a | -48.15% | -48.03% | -44.96% | -70.87% | n/a | |
| Share Growth (YoY) | n/a | 1.11% | -54.97% | -62.53% | -59.38% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 20.85% | 27.39% | 15.54% | 18.11% | 15.74% | -511 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 11.57% | 13.81% | 8.40% | 10.76% | 31.01% | +1,944 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.28% | 65.63% | 108.11% | 108.51% | 58.29% | -2,300 bps | |
| Liquid Assets / Assets | 1.81% | 1.78% | 2.59% | 2.86% | 3.48% | +168 bps | |