Nashville, TN · Charter 68056
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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 68056
Q2 2003
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | 0.51% | 0.42% | -0.43% | 0.20% | -37 bps | |
| Return on Equity | 2.55% | 2.23% | 1.97% | -2.09% | 0.97% | -158 bps | |
| Net Interest Margin | 4.99% | 4.99% | 4.66% | 3.91% | 4.13% | -86 bps | |
| Efficiency Ratio | 85.12% | 86.13% | 87.23% | 105.58% | 91.72% | +660 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.85% | 5.26% | 7.55% | 15.14% | 10.31% | +346 bps | |
| Loan Growth (YoY) | -4.20% | -12.63% | -8.18% | -10.94% | -3.88% | +32 bps | |
| Share Growth (YoY) | 7.03% | 5.49% | 11.45% | 19.81% | 13.03% | +600 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.98% | 0.82% | 1.26% | 0.99% | 0.66% | -32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.46% | 1.57% | 1.30% | 1.60% | 1.49% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.18% | 22.85% | 21.38% | 20.59% | 20.35% | -183 bps | |
| Net Worth / Assets | 22.18% | 22.85% | 21.38% | 20.59% | 20.35% | -183 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.99% | 72.97% | 63.37% | 60.67% | 59.52% | -1,047 bps | |
| Liquid Assets / Assets | 33.53% | 28.19% | 26.83% | 24.20% | 51.55% | +1,802 bps | |