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Letter portraitLegal landscapeQuarterYTD

Tri-City Bank&Trust Co.

Blountville, TN · Cert 10302

FDIC

Q1 2000

$283.9MAssets
$217.3MLoans
$241.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.00%, down 16 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 90.12% of deposits as of Q1 2000.

Return on Assets (YTD, annualized)

1.00%-16 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000YoY ΔTrend
Earnings
Return on Assets0.82%0.82%0.84%1.16%1.06%1.05%1.09%1.00%-16 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-1.07%-2.03%6.15%2.93%0.35%3.41%-3.90%-3.44%-637 bps
Loan Growth (YoY)-2.59%4.04%8.14%14.46%15.97%11.14%8.00%1.42%-1,304 bps
Deposit Growth (YoY)-1.54%-1.76%3.43%-0.36%-4.42%-0.79%-5.66%-4.68%-432 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits72.95%80.09%76.64%84.70%88.52%89.72%87.74%90.12%+542 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a