Morristown, TN · Charter 60070
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 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.
Morristown, TN · Charter 60070
Q2 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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.74% | 0.40% | 0.79% | 0.06% | -3.56% | -730 bps | |
| Return on Equity | n/a | n/a | n/a | 0.73% | -53.07% | n/a | |
| Net Interest Margin | n/a | 4.44% | 4.66% | 4.70% | 3.86% | n/a | |
| Efficiency Ratio | n/a | 67.48% | 71.44% | 75.62% | 87.15% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 14.95% | 20.57% | 20.83% | 4.75% | -0.68% | -1,563 bps | |
| Loan Growth (YoY) | 24.71% | 25.37% | 15.78% | 7.26% | -12.51% | -3,722 bps | |
| Share Growth (YoY) | 16.29% | 18.54% | 18.17% | 1.56% | 2.31% | -1,398 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.99% | 2.98% | 2.38% | 2.75% | 3.63% | +63 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.29% | 1.40% | 1.53% | 2.06% | 3.12% | +182 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 8.39% | 6.70% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 8.39% | 6.70% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.05% | 96.79% | 91.57% | 94.03% | 76.14% | -1,290 bps | |
| Liquid Assets / Assets | 11.87% | 3.03% | 7.47% | 10.30% | 16.31% | +444 bps | |