Dyer, TN · Cert 2372
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 | -0.76% | -0.20% | -2.19% | -0.09% | -0.29% | -0.60% | -1.84% | -1.86% | -178 bps | |
| Return on Equity | -10.14% | -2.64% | -29.82% | -1.24% | -4.11% | -8.10% | -24.57% | -24.47% | -2,323 bps | |
| Net Interest Margin | 4.05% | 3.50% | 3.50% | 3.51% | 3.53% | 3.75% | 3.35% | 2.92% | -59 bps | |
| Efficiency Ratio | 104.41% | 105.77% | 109.94% | 109.77% | 110.67% | 120.16% | 123.73% | 155.33% | +4,556 bps | |
| Non-Interest Burden | 4.24% | 3.75% | 3.90% | 3.92% | 3.97% | 4.63% | 4.41% | 4.87% | +95 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 | 2.36% | 1.23% | 2.45% | 4.04% | 3.38% | 1.59% | 5.73% | -0.33% | -437 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 |