PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lewis County Bank

Hohenwald, TN · Cert 24596

FDIC

Q2 2000

$43.0MAssets
$27.2MLoans
$37.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.68%, up 3 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 72.79% of deposits as of Q2 2000.

Return on Assets (YTD, annualized)

1.68%+3 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000YoY ΔTrend
Earnings
Return on Assets1.56%1.67%1.62%1.65%1.57%1.64%1.63%1.68%+3 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)5.65%5.65%5.92%6.85%6.25%7.32%2.98%-0.22%-708 bps
Loan Growth (YoY)4.98%1.90%8.49%3.66%3.08%5.44%2.10%3.30%-36 bps
Deposit Growth (YoY)3.14%8.11%7.68%9.77%12.95%6.04%1.64%-1.37%-1,114 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 / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
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 Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits77.17%73.52%72.98%69.49%70.43%73.11%73.31%72.79%+330 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a