PackageTrendsPeer
Letter portraitLegal landscape

Leon-Ferenbach Employees

Johnson City, TN · Charter 68169

Q1 2003

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: Q1 2003, the quarter ended March 31, 2003, 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

Leon-Ferenbach Employees

Johnson City, TN · Charter 68169

Q1 2003

$87KAssets
$2KLoans
$57KShares
$28KNet 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 -2.26%, down 113 bps year over year; NIM at -1.18%.
  • Asset quality: problem loans at 100.00% of loans (+8,139 bps YoY).
  • Capital: net worth / assets of 32.88%, down 77 bps from a year ago.
  • Funding: loans stand at 3.65% of shares as of Q1 2003.

Financial Results

Return on Assets (YTD, annualized)

-2.26%-113 bps YoY

Net Interest Margin (YTD, annualized)

-1.18%-521 bps YoY

Efficiency Ratio (YTD, annualized)

266%+13,957 bps YoY

Net Worth / Assets

32.88%-77 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2001Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets-1.13%-4.43%-2.71%-5.28%-2.26%-113 bps
Return on Equity-3.37%-13.04%-8.51%-16.57%-6.88%-351 bps
Net Interest Margin4.03%1.32%1.77%1.09%-1.18%-521 bps
Efficiency Ratio125.97%409%251%576%266%+13,957 bps
Growth
Asset Growth (YoY)-3.22%-12.37%-9.42%-12.44%-14.42%-1,120 bps
Loan Growth (YoY)-63.84%-79.23%-86.38%-92.97%-87.41%-2,357 bps
Share Growth (YoY)-3.57%-13.69%-8.86%-11.69%-13.57%-1,000 bps
Asset Quality
Delinquent Loans / Loans18.61%12.80%15.20%0.00%100.00%+8,139 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans12.78%27.91%49.97%119.87%119.87%+10,709 bps
Capital
Risk-Based Capital33.65%33.98%31.91%31.87%32.88%-77 bps
Net Worth / Assets33.65%33.98%31.91%31.87%32.88%-77 bps
Liquidity & Funding
Loans / Shares25.08%13.37%7.57%3.51%3.65%-2,142 bps
Liquid Assets / Assets84.17%79.83%95.57%84.45%100.48%+1,631 bps