Greeneville, TN · Charter 68139
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 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.
Greeneville, TN · Charter 68139
Q4 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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.65% | 4.49% | 0.44% | 0.79% | 0.95% | -370 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 4.80% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 2.43% | 2.69% | 2.90% | n/a | |
| Efficiency Ratio | n/a | n/a | 80.54% | 67.66% | 65.43% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 0.58% | 9.30% | 0.50% | -4.61% | -13.39% | -1,397 bps | |
| Loan Growth (YoY) | -5.87% | -18.48% | -30.38% | -20.96% | -37.95% | -3,208 bps | |
| Share Growth (YoY) | -1.19% | 8.98% | -1.20% | -7.18% | -18.16% | -1,697 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.11% | 2.36% | 0.94% | 7.61% | 1.91% | +80 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.98% | 1.01% | 0.83% | 0.98% | 0.83% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 19.88% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 19.88% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.47% | 35.32% | 34.50% | 35.29% | 27.65% | -882 bps | |
| Liquid Assets / Assets | 26.94% | 43.77% | 39.46% | 39.76% | 76.39% | +4,946 bps | |