Bruceton, TN · Charter 68089
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Bruceton, TN · Charter 68089
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.77% | 3.84% | 1.12% | 0.22% | -1.79% | -456 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 5.02% | 3.49% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 93.84% | 141.78% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -25.39% | -34.52% | -44.76% | -45.36% | -53.73% | -2,833 bps | |
| Loan Growth (YoY) | -52.81% | -59.82% | -66.36% | -69.17% | -76.96% | -2,415 bps | |
| Share Growth (YoY) | -34.33% | -49.26% | -57.96% | -64.50% | -74.40% | -4,007 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.67% | 0.54% | 1.36% | 0.45% | 1.42% | +75 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.76% | 3.69% | 4.92% | 6.48% | 11.84% | +908 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 17.52% | 23.63% | 16.40% | 21.52% | 15.77% | -175 bps | |
| Liquid Assets / Assets | 84.27% | 81.83% | 88.38% | 33.52% | 81.46% | -281 bps | |