Johnson City, TN · Charter 68169
Q1 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 4.03% | 1.32% | 1.77% | 1.09% | -1.18% | -521 bps | |
| Efficiency Ratio | 125.97% | 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 / Loans | 18.61% | 12.80% | 15.20% | 0.00% | 100.00% | +8,139 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 12.78% | 27.91% | 49.97% | 119.87% | 119.87% | +10,709 bps | |
| Capital | |||||||
| Risk-Based Capital | 33.65% | 33.98% | 31.91% | 31.87% | 32.88% | -77 bps | |
| Net Worth / Assets | 33.65% | 33.98% | 31.91% | 31.87% | 32.88% | -77 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 25.08% | 13.37% | 7.57% | 3.51% | 3.65% | -2,142 bps | |
| Liquid Assets / Assets | 84.17% | 79.83% | 95.57% | 84.45% | 100.48% | +1,631 bps | |