Knoxville, TN · Charter 15903
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Knoxville, TN · Charter 15903
Q2 2003
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.83% | 0.55% | 0.42% | 0.39% | 0.61% | 0.58% | -0.64% | -0.69% | -108 bps | |
| Return on Equity | 9.00% | 1.73% | 1.43% | 1.45% | 2.17% | 1.99% | -2.26% | -2.48% | -393 bps | |
| Net Interest Margin | 6.48% | 5.13% | 4.63% | 4.71% | 4.72% | 4.65% | 3.99% | 3.42% | -129 bps | |
| Efficiency Ratio | 76.13% | 87.36% | 87.13% | 75.75% | 75.58% | 77.68% | 111.52% | 114.93% | +3,918 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.37% | -14.05% | -4.33% | 16.32% | 15.07% | 11.23% | 4.70% | -1.95% | -1,828 bps | |
| Loan Growth (YoY) | -31.23% | -27.93% | -13.56% | -15.59% | -15.51% | -21.30% | -40.09% | -44.23% | -2,864 bps | |
| Share Growth (YoY) | -25.63% | -21.95% | -9.96% | 20.17% | 20.81% | 15.95% | 6.49% | -2.70% | -2,287 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 2.11% | 2.38% | 3.95% | 9.58% | 6.73% | 12.47% | 10.01% | +606 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 | 0.55% | 0.65% | 0.80% | 1.67% | 1.94% | 2.19% | 1.60% | 2.09% | +42 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.44% | 31.68% | 29.30% | 27.13% | 28.18% | 29.23% | 28.40% | 27.69% | +56 bps | |
| Net Worth / Assets | 31.44% | 31.68% | 29.30% | 27.13% | 28.18% | 29.23% | 28.40% | 27.69% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.75% | 97.76% | 95.17% | 73.89% | 68.36% | 66.35% | 53.54% | 42.35% | -3,154 bps | |
| Liquid Assets / Assets | 31.77% | 32.62% | 32.27% | 45.85% | 50.74% | 52.61% | 60.69% | 68.54% | +2,269 bps | |