Nashville, TN · Charter 13281
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Nashville, TN · Charter 13281
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.68% | 2.74% | -2.36% | -0.04% | -0.65% | 2.14% | -8.60% | -26.61% | -2,657 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -59.92% | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 2.74% | 5.34% | 2.04% | 3.21% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 123.88% | 59.89% | 521% | 571% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.12% | -9.70% | -24.43% | 43.81% | 34.36% | 43.23% | 2.35% | -34.91% | -7,872 bps | |
| Loan Growth (YoY) | -24.52% | -44.83% | -71.17% | -67.80% | -21.32% | 61.72% | 90.67% | 66.37% | +13,417 bps | |
| Share Growth (YoY) | -12.90% | -15.03% | -27.45% | 64.60% | 53.06% | 57.64% | 14.51% | -26.39% | -9,098 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 20.25% | 15.16% | 44.08% | 53.64% | 35.98% | 23.72% | 68.30% | 66.82% | +1,317 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 | 5.74% | 7.67% | 20.01% | 22.98% | 12.83% | 8.35% | 14.00% | 25.00% | +202 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 14.35% | -3.00% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 14.35% | -3.00% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.26% | 47.42% | 34.56% | 15.06% | 33.04% | 48.65% | 57.55% | 34.03% | +1,898 bps | |
| Liquid Assets / Assets | 41.68% | 42.04% | 35.88% | 20.84% | 69.80% | 29.35% | 56.98% | 73.68% | +5,283 bps | |