PackageTrendsPeer
Letter portraitLegal landscape

Wallace Hardware Employees

Morristown, TN · Charter 68166

Q4 2000

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wallace Hardware Employees

Morristown, TN · Charter 68166

Q4 2000

$624KAssets
$406KLoans
$487KShares
$125KNet Worth

Executive Summary

  • Earnings: ROA of 1.55%, down 347 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 1.26% of loans (+36 bps YoY).
  • Capital: net worth / assets of 20.04%.
  • Funding: loans stand at 83.43% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

1.55%-347 bps YoY

Net Interest Margin (YTD, annualized)

4.23%

Efficiency Ratio (YTD, annualized)

50.34%

Net Worth / Assets

20.04%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets4.17%4.81%5.08%5.02%3.87%0.03%1.87%1.55%-347 bps
Return on Equityn/an/an/an/an/an/an/a7.73%n/an/a
Net Interest Marginn/an/an/an/an/a3.49%4.46%4.23%n/a
Efficiency Ration/an/an/an/an/a71.60%45.61%50.34%n/a
Growth
Asset Growth (YoY)31.71%38.27%25.91%0.06%-8.29%-15.47%-18.19%-2.54%-261 bps
Loan Growth (YoY)4.32%25.43%16.50%12.96%13.31%-26.68%-14.99%-7.59%-2,055 bps
Share Growth (YoY)35.86%42.24%27.41%-2.13%-11.62%-19.41%-23.12%-7.08%-495 bps
Asset Quality
Delinquent Loans / Loans0.86%3.11%3.36%0.90%0.43%0.23%0.70%1.26%+36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.32%1.01%0.44%0.48%1.02%1.15%1.35%1.75%+128 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a20.04%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a20.04%n/an/a
Liquidity & Funding
Loans / Shares64.88%84.84%69.70%83.89%83.18%77.19%77.08%83.43%-47 bps
Liquid Assets / Assets35.04%19.58%28.67%23.44%12.14%16.08%0.00%34.48%+1,104 bps