Dyer, TN · Cert 2372
FDIC
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Dyer, TN · Cert 2372
FDIC
Q3 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.68% | -0.20% | -1.20% | -0.83% | -0.70% | -0.60% | -1.20% | -1.39% | -56 bps | |
| Return on Equity | -23.04% | -2.64% | -16.07% | -11.29% | -9.53% | -8.10% | -16.22% | -18.62% | -733 bps | |
| Net Interest Margin | 3.64% | 3.50% | 3.47% | 3.50% | 3.55% | 3.75% | 3.77% | 3.67% | +17 bps | |
| Efficiency Ratio | 105.83% | 105.77% | 107.79% | 108.45% | 108.99% | 120.16% | 121.86% | 130.56% | +2,211 bps | |
| Non-Interest Burden | 3.90% | 3.75% | 3.80% | 3.85% | 3.93% | 4.63% | 4.79% | 5.06% | +120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.81% | 2.04% | 0.32% | -2.66% | -2.93% | -5.93% | -20.66% | -20.69% | -1,803 bps | |
| Loan Growth (YoY) | -6.35% | -6.45% | -13.02% | -19.74% | -24.39% | -26.18% | -38.48% | -40.78% | -2,104 bps | |
| Deposit Growth (YoY) | 2.98% | -0.25% | -2.16% | -6.13% | -6.02% | -7.42% | -23.58% | -23.47% | -1,733 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 | 4.31% | 1.23% | 1.88% | 2.75% | 3.09% | 1.59% | 3.88% | 2.89% | +15 bps | |
| Allowance / Loans | 3.01% | 2.84% | 3.68% | 3.11% | 2.59% | 2.46% | 2.87% | 4.13% | +102 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 | 12.67% | 12.10% | 12.44% | 13.52% | 14.18% | 14.53% | 16.92% | 17.87% | +435 bps | |
| Equity / Assets | 7.71% | 7.50% | 7.20% | 7.04% | 7.30% | 7.43% | 7.55% | 7.70% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.35% | 88.50% | 82.44% | 75.43% | 71.89% | 70.57% | 66.36% | 58.37% | -1,706 bps | |
| Liquid Assets / Assets | 2.23% | 1.33% | 2.70% | 6.00% | 3.56% | 4.92% | 4.65% | 4.27% | -173 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |