Dandridge, TN · Charter 68143
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Dandridge, TN · Charter 68143
Q1 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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.57% | 1.50% | 1.39% | 1.76% | 0.90% | -66 bps | |
| Return on Equity | 15.47% | 14.59% | 14.06% | 17.19% | 186800% | +18,678,453 bps | |
| Net Interest Margin | 5.07% | 4.98% | 4.60% | 4.51% | 4.73% | -34 bps | |
| Efficiency Ratio | 70.40% | 70.79% | 72.12% | 73.06% | 81.24% | +1,085 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 21.71% | 10.91% | 17.68% | 18.37% | 15.33% | -638 bps | |
| Loan Growth (YoY) | 17.12% | -0.60% | -8.00% | 14.00% | 6.50% | -1,062 bps | |
| Share Growth (YoY) | 21.26% | 10.19% | 17.81% | 18.26% | 28.85% | +758 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 3.25% | +325 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.27% | 1.47% | 1.57% | 0.79% | 0.90% | -37 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.14% | 10.26% | 9.86% | 10.24% | 0.00% | -1,014 bps | |
| Net Worth / Assets | 10.14% | 10.26% | 9.86% | 10.24% | 0.00% | -1,014 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.00% | 73.75% | 65.38% | 77.80% | 66.12% | -1,387 bps | |
| Liquid Assets / Assets | 27.60% | 33.37% | 40.68% | 29.21% | 32.96% | +536 bps | |