Morristown, TN · Charter 68166
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.
Morristown, TN · Charter 68166
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 | 5.02% | 3.87% | 0.03% | 1.87% | 1.55% | -347 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 7.73% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 3.49% | 4.46% | 4.23% | n/a | |
| Efficiency Ratio | n/a | n/a | 71.60% | 45.61% | 50.34% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 0.06% | -8.29% | -15.47% | -18.19% | -2.54% | -261 bps | |
| Loan Growth (YoY) | 12.96% | 13.31% | -26.68% | -14.99% | -7.59% | -2,055 bps | |
| Share Growth (YoY) | -2.13% | -11.62% | -19.41% | -23.12% | -7.08% | -495 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.90% | 0.43% | 0.23% | 0.70% | 1.26% | +36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 1.02% | 1.15% | 1.35% | 1.75% | +128 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 20.04% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 20.04% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.89% | 83.18% | 77.19% | 77.08% | 83.43% | -47 bps | |
| Liquid Assets / Assets | 23.44% | 12.14% | 16.08% | 0.00% | 34.48% | +1,104 bps | |