PackageTrendsPeer
Letter portraitLegal landscape

John Sevier TVA Employees

Rogersville, TN · Charter 68117

Q2 2000

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

John Sevier TVA Employees

Rogersville, TN · Charter 68117

Q2 2000

$4.4MAssets
$2.9MLoans
$3.5MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.03%, down 299 bps year over year; NIM at 5.20%.
  • Asset quality: problem loans at 4.01% of loans (+265 bps YoY).
  • Funding: loans stand at 83.26% of shares as of Q2 2000.

Return on Assets (YTD, annualized)

1.03%-299 bps YoY

Net Interest Margin (YTD, annualized)

5.20%

Efficiency Ratio (YTD, annualized)

69.59%

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets4.48%4.67%4.59%4.03%3.81%3.68%0.84%1.03%-299 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a4.47%5.20%n/a
Efficiency Ration/an/an/an/an/an/a77.44%69.59%n/a
Growth
Asset Growth (YoY)2.71%8.70%14.53%18.29%20.38%26.24%20.53%4.27%-1,402 bps
Loan Growth (YoY)13.69%26.09%20.02%12.17%3.87%-12.85%-6.65%-1.73%-1,390 bps
Share Growth (YoY)-1.17%5.74%11.74%16.98%20.30%28.01%22.19%2.08%-1,490 bps
Asset Quality
Delinquent Loans / Loans0.62%2.03%1.54%1.36%2.37%2.95%3.32%4.01%+265 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.14%0.90%0.90%0.78%0.84%0.93%0.83%0.76%-2 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares90.98%97.91%94.58%86.49%78.55%66.66%72.25%83.26%-323 bps
Liquid Assets / Assets22.52%17.64%20.84%28.05%32.39%41.35%2.06%2.25%-2,580 bps