Memphis, TN · Charter 12213
Q2 2000
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 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.18% | 3.69% | 3.26% | 2.24% | 2.46% | 2.83% | 0.72% | 0.06% | -218 bps | |
| Return on Equity | n/a | n/a | n/a | 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 | 1.91% | 3.74% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 63.28% | 98.46% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.52% | -18.74% | -14.90% | -7.89% | 2.92% | -0.93% | -8.50% | -0.88% | +701 bps | |
| Loan Growth (YoY) | 25.12% | -16.59% | -19.86% | -51.54% | -34.88% | -29.67% | -28.76% | -32.43% | +1,911 bps | |
| Share Growth (YoY) | -20.33% | -23.60% | -19.06% | -10.75% | 2.49% | -2.07% | -12.00% | -2.66% | +809 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.42% | 4.30% | 9.44% | 5.76% | 3.49% | 3.71% | 3.20% | 6.21% | +44 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 | 1.43% | 1.99% | 2.25% | 1.70% | 1.24% | 1.60% | 1.78% | 2.52% | +82 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.93% | 47.21% | 41.34% | 31.65% | 41.26% | 33.91% | 33.46% | 21.97% | -968 bps | |
| Liquid Assets / Assets | 48.07% | 52.48% | 53.30% | 54.90% | 54.28% | 58.74% | 63.67% | 0.00% | -5,490 bps | |