Brentwood, TN · Charter 68066
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Brentwood, TN · Charter 68066
Q4 2004
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | 0.56% | 0.64% | 0.69% | 0.72% | +15 bps | |
| Return on Equity | 3.68% | 3.61% | 4.11% | 4.55% | 4.60% | +91 bps | |
| Net Interest Margin | 4.26% | 4.86% | 4.70% | 4.54% | 4.70% | +45 bps | |
| Efficiency Ratio | 86.94% | 87.89% | 85.64% | 83.97% | 83.98% | -296 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.79% | 1.98% | 1.75% | 7.02% | 3.71% | -109 bps | |
| Loan Growth (YoY) | 29.78% | 23.18% | 16.89% | 15.47% | 11.76% | -1,802 bps | |
| Share Growth (YoY) | 4.96% | 1.74% | 0.74% | 6.99% | 3.80% | -116 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.55% | 0.61% | 0.54% | 0.59% | 0.88% | +33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.37% | 0.31% | 0.46% | 0.43% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.56% | 15.52% | 15.68% | 15.24% | 15.73% | +17 bps | |
| Net Worth / Assets | 15.56% | 15.52% | 15.68% | 15.24% | 15.73% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.30% | 85.70% | 87.88% | 88.56% | 93.99% | +669 bps | |
| Liquid Assets / Assets | 15.29% | 14.42% | 15.17% | 15.59% | 10.22% | -507 bps | |