Lenoir City, TN · Charter 68123
Q3 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 0.54% | -1.00% | 0.42% | -3.27% | -425 bps | |
| Return on Equity | 6.62% | 3.74% | -7.08% | 2.93% | -22.38% | -2,900 bps | |
| Net Interest Margin | 3.17% | 2.65% | 1.44% | 2.58% | 3.42% | +25 bps | |
| Efficiency Ratio | 59.27% | 66.59% | 126.43% | 71.76% | 120.86% | +6,159 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 28.30% | 29.42% | 16.40% | 7.29% | -14.63% | -4,293 bps | |
| Loan Growth (YoY) | -15.59% | -15.94% | -11.27% | -8.01% | -8.58% | +701 bps | |
| Share Growth (YoY) | 30.01% | 32.27% | 19.72% | 8.78% | -14.29% | -4,430 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.62% | 10.10% | 7.33% | 6.60% | 1.98% | -364 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.36% | 0.82% | 1.24% | 1.26% | 1.30% | +94 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.94% | 14.36% | 14.07% | 14.35% | 14.59% | -34 bps | |
| Net Worth / Assets | 14.94% | 14.36% | 14.07% | 14.35% | 14.59% | -34 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.04% | 40.90% | 38.37% | 39.72% | 44.83% | +280 bps | |
| Liquid Assets / Assets | 29.74% | 16.83% | 17.92% | 14.61% | 27.30% | -245 bps | |