Clarksville, TN · Charter 14474
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 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.
Clarksville, TN · Charter 14474
Q4 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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.72% | 3.47% | 2.98% | 0.54% | 0.32% | 0.30% | -1.10% | -4.10% | -464 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 3.14% | -13.97% | -100.95% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.80% | 3.26% | 3.31% | 2.93% | -0.42% | -422 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 69.09% | 76.48% | 75.75% | 90.21% | 4748% | +467,905 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.84% | 27.59% | 32.22% | 39.01% | 25.75% | 20.62% | 15.64% | 13.64% | -2,537 bps | |
| Loan Growth (YoY) | 24.33% | 25.52% | 73.02% | 65.96% | 72.86% | 59.73% | 16.55% | -9.50% | -7,546 bps | |
| Share Growth (YoY) | 19.39% | 32.55% | 38.68% | 39.09% | 26.08% | 18.18% | 19.01% | 26.91% | -1,218 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.92% | 2.53% | 1.45% | 1.72% | 2.32% | 3.06% | 2.22% | 0.87% | -86 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 | 1.17% | 1.24% | 0.18% | 0.61% | 0.93% | 1.07% | 1.59% | 2.00% | +140 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 9.62% | 7.84% | 4.06% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 9.62% | 7.84% | 4.06% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.61% | 73.13% | 82.29% | 93.00% | 99.55% | 98.84% | 80.59% | 66.32% | -2,668 bps | |
| Liquid Assets / Assets | 34.01% | 28.17% | 17.03% | 12.25% | 4.67% | 4.83% | 20.04% | 26.75% | +1,450 bps | |