Elizabethton, TN · Charter 68142
Q1 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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 0.22% | -0.01% | 0.67% | -0.45% | -129 bps | |
| Return on Equity | 2.33% | 0.57% | -0.03% | 1.76% | -1.19% | -352 bps | |
| Net Interest Margin | 3.76% | 2.94% | 3.13% | 3.18% | 3.17% | -58 bps | |
| Efficiency Ratio | 64.54% | 92.98% | 80.23% | 69.35% | 84.25% | +1,970 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.78% | 1.16% | 2.84% | -1.39% | -4.02% | -224 bps | |
| Loan Growth (YoY) | -2.74% | -18.99% | -14.16% | -19.81% | -24.10% | -2,136 bps | |
| Share Growth (YoY) | -7.95% | -2.20% | 0.64% | -2.53% | -6.55% | +140 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 26.54% | 16.20% | 10.67% | 6.21% | 6.11% | -2,043 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.12% | 2.91% | 4.15% | 2.73% | 0.00% | -212 bps | |
| Capital | |||||||
| Risk-Based Capital | 35.78% | 37.54% | 37.24% | 38.07% | 37.93% | +215 bps | |
| Net Worth / Assets | 35.78% | 37.54% | 37.24% | 38.07% | 37.93% | +215 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.16% | 51.39% | 53.87% | 51.13% | 44.80% | -1,036 bps | |
| Liquid Assets / Assets | 64.71% | 67.97% | 67.70% | 68.09% | 70.67% | +597 bps | |