PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

City State Bank

Martin, TN · Cert 2402

FDIC

Q4 2002

$111.2MAssets
$64.9MLoans
$89.9MDeposits
$10.5MEquity
Loan mix
76%RE $21.7M23%C&I $6.5M1%Consumer $0.3MQ1 2001Q4 2002
Deposit mix
90%Interest-bearing $81.3M10%Noninterest $8.6MQ1 2001Q4 2002

Executive Summary

  • Earnings: ROA of 0.99%, up 18 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.31%.
  • Funding: loans stand at 72.23% of deposits as of Q4 2002.

Return on Assets (YTD, annualized)

0.99%+18 bps YoY

Net Interest Margin (YTD, annualized)

2.73%+38 bps YoY

Efficiency Ratio (YTD, annualized)

64.04%-293 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.40%Q1 ’016.15%Q4 ’014.99%Q4 ’02+9%+16%

Non-interest income vs. expense

2.66%Q1 ’012.88%Q4 ’012.91%Q4 ’02+70%+18%

Year to date, annualized, through each quarter.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets1.05%0.95%0.94%0.81%1.17%1.10%1.04%0.99%+18 bps
Return on Equityn/an/an/an/a12.45%11.47%10.82%10.36%n/a
Net Interest Margin2.16%2.14%2.31%2.35%2.83%2.86%2.85%2.73%+38 bps
Efficiency Ratio62.19%66.37%65.19%66.97%62.90%61.77%62.98%64.04%-293 bps
Non-Interest Burden0.55%0.69%0.77%0.93%1.12%1.00%1.08%1.10%+17 bps
Growth
Asset Growth (YoY)2.12%-0.32%-2.09%-0.74%-2.76%-3.93%3.74%8.22%+895 bps
Loan Growth (YoY)6.29%-2.34%-3.91%0.34%-3.62%-2.96%2.46%9.26%+893 bps
Deposit Growth (YoY)1.74%-0.81%-0.47%0.44%-2.77%-3.87%0.73%4.11%+367 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.12%0.48%0.88%0.22%0.59%0.34%0.31%-57 bps
Allowance / Loans1.28%1.43%1.22%0.91%1.01%1.07%1.12%1.01%+10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital13.71%13.15%12.26%12.31%12.33%13.24%12.83%10.94%-137 bps
Equity / Assets9.65%10.07%9.41%9.53%9.25%10.03%9.56%9.41%-13 bps
Liquidity & Funding
Loans / Deposits67.56%64.29%66.51%68.83%66.97%64.91%67.66%72.23%+340 bps
Liquid Assets / Assets0.01%0.00%0.00%0.00%0.00%0.01%0.02%0.01%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a