Gainesboro, TN · Cert 2377
FDIC
Q2 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.15% | 0.88% | 1.17% | 1.09% | 1.09% | 1.07% | 0.49% | -68 bps | |
| Return on Equity | 9.89% | 10.89% | 8.37% | 11.34% | 10.45% | 10.24% | 10.31% | 4.71% | -663 bps | |
| Net Interest Margin | 3.63% | 3.60% | 3.56% | 3.59% | 3.67% | 3.68% | 3.61% | 3.56% | -3 bps | |
| Efficiency Ratio | 72.35% | 67.09% | 73.71% | 66.36% | 67.80% | 66.83% | 66.70% | 83.99% | +1,763 bps | |
| Non-Interest Burden | 2.35% | 2.08% | 2.40% | 2.00% | 2.19% | 2.18% | 2.11% | 2.84% | +85 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.55% | 4.96% | 6.46% | 6.07% | 7.22% | 6.01% | 5.19% | 4.87% | -120 bps | |
| Loan Growth (YoY) | 12.22% | 12.40% | 12.40% | 12.59% | 13.39% | 11.88% | 7.59% | 2.49% | -1,010 bps | |
| Deposit Growth (YoY) | 3.24% | 4.90% | 6.54% | 6.86% | 7.64% | 6.50% | 5.93% | 4.75% | -212 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 | 0.09% | 0.12% | -0.02% | 0.27% | 0.07% | 0.19% | -0.05% | 0.33% | +6 bps | |
| Allowance / Loans | 1.94% | 1.88% | 1.82% | 1.69% | 1.61% | 1.55% | 1.58% | 1.58% | -11 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 | 17.60% | 17.64% | 16.92% | 16.94% | 16.95% | 17.21% | 17.23% | 17.65% | +70 bps | |
| Equity / Assets | 10.51% | 10.64% | 10.36% | 10.23% | 10.58% | 10.61% | 10.16% | 10.58% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.15% | 77.98% | 78.26% | 81.31% | 82.33% | 81.92% | 79.49% | 79.55% | -175 bps | |
| Liquid Assets / Assets | 0.33% | 0.27% | 0.29% | 0.19% | 0.21% | 0.23% | 0.16% | 0.35% | +16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |