Dickson, TN · Charter 21141
Q4 2001
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Dickson, TN · Charter 21141
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 | 1.92% | 1.23% | 1.09% | 0.78% | 3.00% | +109 bps | |
| Return on Equity | n/a | n/a | 10.67% | 8.11% | 31.77% | n/a | |
| Net Interest Margin | 5.42% | 4.73% | 4.80% | 6.54% | 4.62% | -80 bps | |
| Efficiency Ratio | 72.42% | 75.80% | 79.87% | 76.67% | 47.37% | -2,505 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.52% | 8.11% | 4.18% | 19.46% | 22.69% | +1,617 bps | |
| Loan Growth (YoY) | 3.67% | 2.76% | 15.78% | 10.44% | 11.53% | +787 bps | |
| Share Growth (YoY) | 2.44% | 3.64% | 0.58% | 18.36% | 22.81% | +2,037 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.11% | 0.43% | 0.22% | 0.03% | 0.07% | -3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.98% | 1.09% | 0.81% | 0.78% | 0.87% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 10.19% | 9.57% | 9.45% | n/a | |
| Net Worth / Assets | n/a | n/a | 10.19% | 9.57% | 9.45% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.48% | 82.27% | 91.06% | 82.95% | 79.45% | -803 bps | |
| Liquid Assets / Assets | 2.10% | 15.47% | 11.85% | 15.87% | 20.99% | +1,889 bps | |