Bristol, TN · Charter 16166
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 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.
Bristol, TN · Charter 16166
Q3 2002
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.01% | 0.33% | 0.72% | 1.06% | 1.02% | 0.78% | -0.18% | -0.46% | -152 bps | |
| Return on Equity | n/a | n/a | n/a | 9.95% | 10.29% | 7.37% | -2.02% | -5.26% | -1,521 bps | |
| Net Interest Margin | n/a | 4.12% | 4.28% | 4.67% | 3.98% | 4.09% | 3.18% | 3.09% | -158 bps | |
| Efficiency Ratio | n/a | 87.17% | 80.05% | 77.97% | 75.14% | 79.43% | 97.31% | 103.68% | +2,571 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.49% | 11.37% | 9.69% | 0.44% | 0.72% | 7.38% | 17.42% | 26.14% | +2,570 bps | |
| Loan Growth (YoY) | -0.88% | 2.96% | 1.03% | 7.84% | 13.98% | 8.66% | -8.21% | -9.09% | -1,692 bps | |
| Share Growth (YoY) | 25.28% | 11.74% | 9.74% | -1.11% | -1.24% | 5.77% | 17.84% | 28.31% | +2,942 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.89% | 0.20% | 0.37% | 0.21% | 1.71% | 1.85% | 2.38% | +200 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 | 0.47% | 0.60% | 0.57% | 0.37% | 0.48% | 0.62% | 0.86% | 0.99% | +62 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 10.61% | 9.94% | 10.64% | 9.12% | 8.74% | -187 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 10.61% | 9.94% | 10.64% | 9.12% | 8.74% | -187 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.54% | 72.99% | 75.35% | 82.64% | 72.18% | 74.99% | 58.69% | 58.55% | -2,409 bps | |
| Liquid Assets / Assets | 36.09% | 26.75% | 25.31% | 23.09% | 32.07% | 30.25% | 44.12% | 44.26% | +2,117 bps | |