Benton, TN · Cert 21563
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.68% | 0.61% | 0.78% | 0.74% | 0.71% | 0.05% | 1.37% | +59 bps | |
| Return on Equity | 6.63% | 5.26% | 4.60% | 5.74% | 5.45% | 5.44% | 0.43% | 11.25% | +550 bps | |
| Net Interest Margin | 4.07% | 4.13% | 4.05% | 4.24% | 4.11% | 4.12% | 3.98% | 4.01% | -24 bps | |
| Efficiency Ratio | 83.06% | 83.06% | 84.43% | 81.10% | 82.21% | 82.42% | 97.93% | 66.80% | -1,431 bps | |
| Non-Interest Burden | 3.32% | 3.37% | 3.36% | 3.37% | 3.31% | 3.32% | 3.89% | 2.54% | -83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.39% | 0.06% | -0.72% | 0.82% | -0.37% | 1.21% | 0.47% | 5.46% | +464 bps | |
| Loan Growth (YoY) | 1.50% | 3.39% | 1.06% | 4.23% | 3.35% | 3.44% | -0.72% | 0.34% | -389 bps | |
| Deposit Growth (YoY) | -4.91% | -1.40% | -1.78% | 0.17% | -1.12% | 1.95% | 2.18% | 7.18% | +701 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 | -0.06% | -0.46% | 0.00% | -0.03% | -0.03% | -0.03% | -0.03% | -0.03% | 0 bps | |
| Allowance / Loans | 1.27% | 1.41% | 1.39% | 1.33% | 1.35% | 1.39% | 1.43% | 1.36% | +2 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 | 20.32% | 20.54% | 20.47% | 19.98% | 19.95% | 18.84% | 19.25% | 18.70% | -128 bps | |
| Equity / Assets | 12.81% | 12.99% | 13.54% | 13.52% | 13.58% | 12.54% | 12.15% | 12.20% | -132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.66% | 71.90% | 74.34% | 78.08% | 76.99% | 72.96% | 72.23% | 73.09% | -498 bps | |
| Liquid Assets / Assets | 0.23% | 0.21% | 0.20% | 0.19% | 0.17% | 0.15% | 0.00% | 0.00% | -19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |