Nashville, TN · Charter 60742
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.
Nashville, TN · Charter 60742
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 | 1.12% | 1.26% | 1.39% | 1.28% | -7.29% | -841 bps | |
| Return on Equity | n/a | n/a | 5.55% | 5.37% | -45.69% | n/a | |
| Net Interest Margin | 5.05% | 5.01% | 5.10% | 4.29% | 4.40% | -65 bps | |
| Efficiency Ratio | 68.95% | 70.25% | 70.31% | 70.58% | 71.39% | +243 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.19% | -0.07% | 1.99% | 8.69% | 8.72% | +753 bps | |
| Loan Growth (YoY) | 26.06% | 25.53% | 32.43% | 15.30% | 13.51% | -1,256 bps | |
| Share Growth (YoY) | -0.90% | -2.48% | -0.21% | 8.11% | 20.06% | +2,095 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.89% | 0.54% | 0.42% | 2.09% | 1.88% | +99 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.36% | 1.48% | 1.06% | 1.18% | 13.39% | +1,203 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 24.95% | 23.85% | 15.95% | n/a | |
| Net Worth / Assets | n/a | n/a | 24.95% | 23.85% | 15.95% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.89% | 90.67% | 97.71% | 89.68% | 83.09% | -480 bps | |
| Liquid Assets / Assets | 16.31% | 17.53% | 18.93% | 21.95% | 28.79% | +1,248 bps | |