Kingsport, TN · Charter 68170
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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.
Kingsport, TN · Charter 68170
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.73% | 2.20% | 2.43% | -0.41% | 1.24% | -149 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -19.27% | -14.78% | -19.44% | -17.49% | -14.97% | +430 bps | |
| Loan Growth (YoY) | -11.95% | 1.33% | -9.94% | -18.80% | -19.12% | -717 bps | |
| Share Growth (YoY) | -23.65% | -18.42% | -23.13% | -19.79% | -16.91% | +674 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.24% | 4.98% | 8.81% | 2.09% | 1.89% | +65 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 0.98% | 2.52% | 3.02% | 1.90% | +78 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.89% | 59.00% | 55.13% | 46.91% | 48.56% | -133 bps | |
| Liquid Assets / Assets | 56.39% | 48.73% | 53.45% | 58.11% | 58.22% | +183 bps | |