Johnson City, TN · Charter 68134
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Johnson City, TN · Charter 68134
Q3 2003
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | 0.79% | 0.47% | 4.01% | 0.11% | -10 bps | |
| Return on Equity | 0.93% | 3.36% | 2.04% | 17.10% | 1.28% | +35 bps | |
| Net Interest Margin | 3.86% | 4.51% | 3.97% | 3.87% | 3.89% | +3 bps | |
| Efficiency Ratio | 96.80% | 84.64% | 89.13% | 0.00% | 97.36% | +56 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.52% | 3.72% | 6.63% | 1.32% | -11.53% | -2,505 bps | |
| Loan Growth (YoY) | 3.33% | 10.70% | 10.63% | -15.11% | -15.76% | -1,909 bps | |
| Share Growth (YoY) | 16.91% | 4.19% | 7.39% | 0.76% | 5.20% | -1,171 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.66% | 0.77% | 0.48% | 0.16% | 0.01% | -65 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.48% | 2.65% | 3.07% | 3.11% | 3.46% | +98 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.23% | 23.49% | 23.06% | 23.44% | 8.75% | -1,348 bps | |
| Net Worth / Assets | 22.23% | 23.49% | 23.06% | 23.44% | 8.75% | -1,348 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.35% | 80.95% | 72.24% | 73.23% | 61.14% | -1,522 bps | |
| Liquid Assets / Assets | 41.13% | 38.43% | 44.86% | 44.67% | 44.60% | +346 bps | |