PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

John Sevier TVA Employees

Rogersville, TN · Charter 68117

Q2 2000

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

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

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.

Financial Results

Return on Assets (quarter, annualized)

1.03%-299 bps YoY

Net Interest Margin (quarter, annualized)

5.20%

Efficiency Ratio (quarter, annualized)

69.59%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets4.03%3.81%3.68%0.84%1.03%-299 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a4.47%5.20%n/a
Efficiency Ration/an/an/a77.44%69.59%n/a
Growth
Asset Growth (YoY)18.29%20.38%26.24%20.53%4.27%-1,402 bps
Loan Growth (YoY)12.17%3.87%-12.85%-6.65%-1.73%-1,390 bps
Share Growth (YoY)16.98%20.30%28.01%22.19%2.08%-1,490 bps
Asset Quality
Delinquent Loans / Loans1.36%2.37%2.95%3.32%4.01%+265 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.78%0.84%0.93%0.83%0.76%-2 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares86.49%78.55%66.66%72.25%83.26%-323 bps
Liquid Assets / Assets28.05%32.39%41.35%2.06%2.25%-2,580 bps