Belfast, TN · Cert 1465
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, 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.
Belfast, TN · Cert 1465
FDIC
Q1 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.78% | 0.86% | 0.72% | 0.76% | 0.68% | 0.73% | 1.23% | +50 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 11.37% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 4.57% | 4.53% | 4.47% | 4.38% | 4.96% | +40 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 73.56% | 73.27% | 73.23% | 71.28% | 64.24% | -932 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 3.12% | 3.09% | 3.04% | 2.88% | 2.86% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.92% | -1.58% | -1.17% | -0.03% | 2.82% | 3.11% | 4.74% | 3.72% | +375 bps | |
| Loan Growth (YoY) | -5.87% | -8.11% | -9.97% | -12.55% | -15.57% | -20.66% | -17.34% | -11.23% | +132 bps | |
| Deposit Growth (YoY) | -3.67% | -2.45% | -2.14% | -0.73% | 2.22% | 2.70% | 4.77% | 3.74% | +446 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 1.46% | 0.97% | 0.75% | 1.18% | 0.94% | -53 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.06% | 1.15% | 1.52% | 1.55% | 1.55% | +48 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | 18.86% | 19.33% | 19.96% | 20.26% | 21.00% | +214 bps | |
| Equity / Assets | n/a | n/a | n/a | 10.62% | 10.98% | 10.97% | 10.75% | 10.81% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.88% | 83.64% | 80.31% | 71.88% | 70.11% | 64.61% | 63.36% | 61.51% | -1,037 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |