Paris, TN · Charter 22960
Q1 2004
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.17% | 0.32% | 0.46% | 0.15% | -2.10% | -0.66% | -7.59% | -804 bps | |
| Return on Equity | 0.29% | 0.60% | 1.05% | 1.55% | 0.51% | -7.07% | -2.08% | -36.41% | -3,797 bps | |
| Net Interest Margin | 4.11% | 3.92% | 4.34% | 5.02% | 4.47% | 4.84% | 4.83% | 2.36% | -266 bps | |
| Efficiency Ratio | 98.24% | 93.70% | 87.99% | 82.23% | 87.03% | 86.02% | 62.16% | 268% | +18,546 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.67% | 5.27% | -8.55% | 9.77% | 4.57% | -7.28% | -9.00% | -11.45% | -2,121 bps | |
| Loan Growth (YoY) | -3.53% | -9.82% | -16.31% | -12.85% | 9.11% | -25.85% | -29.40% | -33.55% | -2,070 bps | |
| Share Growth (YoY) | -6.23% | 6.60% | -11.46% | 13.91% | 5.84% | -8.16% | -9.76% | -0.41% | -1,432 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.67% | 5.14% | 4.57% | 20.53% | 11.42% | 11.50% | 24.27% | +1,971 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 | 4.11% | 3.90% | 1.12% | 0.88% | 1.17% | 0.00% | 0.00% | 3.45% | +257 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.93% | 28.88% | 30.98% | 29.40% | 28.96% | 29.76% | 31.78% | 20.84% | -857 bps | |
| Net Worth / Assets | 29.93% | 28.88% | 30.98% | 29.40% | 28.96% | 29.76% | 31.78% | 20.84% | -857 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.02% | 56.40% | 61.92% | 53.97% | 54.66% | 45.54% | 48.44% | 36.01% | -1,796 bps | |
| Liquid Assets / Assets | 62.98% | 37.55% | 46.78% | 60.71% | 44.49% | 63.40% | 52.17% | 71.61% | +1,090 bps | |