Jackson, TN · Charter 10780
Q4 2003
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 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | -0.54% | -0.10% | 0.04% | 0.17% | 0.07% | 0.00% | -0.04% | -8 bps | |
| Return on Equity | 0.71% | -5.74% | -1.07% | 0.43% | 1.77% | 0.70% | -0.04% | -0.36% | -79 bps | |
| Net Interest Margin | 2.31% | 2.43% | 2.69% | 2.77% | 2.42% | 2.58% | 2.47% | 2.55% | -22 bps | |
| Efficiency Ratio | 94.72% | 94.46% | 86.50% | 85.26% | 90.24% | 86.94% | 91.66% | 94.22% | +897 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.55% | 6.13% | 5.40% | -4.13% | -6.25% | -1.85% | -0.46% | 0.05% | +418 bps | |
| Loan Growth (YoY) | -6.44% | -7.45% | -7.41% | -13.37% | -23.97% | -16.65% | -16.77% | -20.79% | -742 bps | |
| Share Growth (YoY) | 11.71% | 7.10% | 7.36% | -3.73% | -5.97% | -1.84% | -0.33% | 0.72% | +445 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.02% | 4.05% | 3.36% | 4.25% | 4.35% | 4.28% | 3.75% | 2.57% | -168 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.07% | 1.46% | 1.14% | 1.20% | 1.32% | 1.62% | 1.05% | 1.06% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.11% | 9.46% | 9.49% | 9.85% | 9.66% | 9.71% | 9.65% | 9.81% | -4 bps | |
| Net Worth / Assets | 9.11% | 9.46% | 9.49% | 9.85% | 9.66% | 9.71% | 9.65% | 9.81% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.27% | 48.81% | 49.22% | 50.37% | 41.45% | 41.45% | 41.10% | 39.61% | -1,076 bps | |
| Liquid Assets / Assets | 41.78% | 45.39% | 35.32% | 34.33% | 58.79% | 37.93% | 47.08% | 27.15% | -718 bps | |