PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Weavexx

Greeneville, TN · Charter 68139

Q4 2000

$1.4MAssets
$302KLoans
$1.1MShares
$272KNet 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 0.95%, down 370 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 1.91% of loans (+80 bps YoY).
  • Capital: net worth / assets of 19.88%.
  • Funding: loans stand at 27.65% of shares as of Q4 2000.

Financial Results

Return on Assets (YTD, annualized)

0.95%-370 bps YoY

Net Interest Margin (YTD, annualized)

2.90%

Efficiency Ratio (YTD, annualized)

65.43%

Net Worth / Assets

19.88%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets4.65%4.49%0.44%0.79%0.95%-370 bps
Return on Equityn/an/an/an/a4.80%n/an/a
Net Interest Marginn/an/a2.43%2.69%2.90%n/a
Efficiency Ration/an/a80.54%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 / Loans1.11%2.36%0.94%7.61%1.91%+80 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.98%1.01%0.83%0.98%0.83%-15 bps
Capital
Risk-Based Capitaln/an/an/an/a19.88%n/an/a
Net Worth / Assetsn/an/an/an/a19.88%n/an/a
Liquidity & Funding
Loans / Shares36.47%35.32%34.50%35.29%27.65%-882 bps
Liquid Assets / Assets26.94%43.77%39.46%39.76%76.39%+4,946 bps