Athens, TN · Charter 67956
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Athens, TN · Charter 67956
Q2 2002
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | -0.26% | 0.31% | -0.35% | 0.01% | -74 bps | |
| Return on Equity | n/a | -2.16% | 2.31% | -2.53% | 0.11% | n/a | |
| Net Interest Margin | 3.77% | 4.30% | 4.70% | 4.67% | 3.46% | -30 bps | |
| Efficiency Ratio | 79.43% | 75.23% | 88.42% | 93.91% | 93.38% | +1,395 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.58% | 4.51% | -14.37% | -13.37% | -12.05% | -2,264 bps | |
| Loan Growth (YoY) | -18.03% | -0.65% | 19.35% | -0.77% | -24.07% | -604 bps | |
| Share Growth (YoY) | 9.09% | -8.73% | -16.82% | -12.75% | -12.34% | -2,144 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.33% | 3.17% | 0.83% | 0.98% | 1.07% | -26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 2.79% | 0.99% | 1.31% | 1.32% | +72 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 12.25% | 13.59% | 13.98% | 12.92% | n/a | |
| Net Worth / Assets | n/a | 12.25% | 13.59% | 13.98% | 12.92% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.64% | 72.44% | 74.60% | 64.25% | 40.40% | -624 bps | |
| Liquid Assets / Assets | 41.85% | 42.19% | 33.00% | 41.78% | 62.78% | +2,093 bps | |