Dickson, TN · Charter 21141
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.34% | 4.49% | 5.19% | 1.92% | 1.23% | 1.09% | 0.78% | 3.00% | +109 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 10.67% | 8.11% | 31.77% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.42% | 4.73% | 4.80% | 6.54% | 4.62% | -80 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 72.42% | 75.80% | 79.87% | 76.67% | 47.37% | -2,505 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.90% | 8.64% | 1.58% | 6.52% | 8.11% | 4.18% | 19.46% | 22.69% | +1,617 bps | |
| Loan Growth (YoY) | 3.40% | -6.09% | -0.11% | 3.67% | 2.76% | 15.78% | 10.44% | 11.53% | +787 bps | |
| Share Growth (YoY) | -3.36% | 7.81% | -2.33% | 2.44% | 3.64% | 0.58% | 18.36% | 22.81% | +2,037 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.15% | 0.03% | 0.11% | 0.43% | 0.22% | 0.03% | 0.07% | -3 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 | 1.29% | 1.05% | 0.97% | 0.98% | 1.09% | 0.81% | 0.78% | 0.87% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 10.19% | 9.57% | 9.45% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 10.19% | 9.57% | 9.45% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.97% | 79.11% | 88.90% | 87.48% | 82.27% | 91.06% | 82.95% | 79.45% | -803 bps | |
| Liquid Assets / Assets | 13.43% | 16.75% | 9.81% | 2.10% | 15.47% | 11.85% | 15.87% | 20.99% | +1,889 bps | |