Carthage, TN · Cert 31857
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 0.89% | 0.77% | -0.18% | 0.54% | 0.56% | 0.37% | 0.50% | +68 bps | |
| Return on Equity | 16.88% | 12.11% | 10.39% | -2.49% | 7.31% | 7.41% | 4.79% | 6.32% | +882 bps | |
| Net Interest Margin | 4.05% | 4.38% | 4.14% | 4.41% | 2.41% | 3.54% | 3.44% | 3.24% | -117 bps | |
| Efficiency Ratio | 60.14% | 60.36% | 71.29% | 71.32% | 78.25% | 76.62% | 81.11% | 79.57% | +825 bps | |
| Non-Interest Burden | 1.91% | 2.17% | 2.63% | 2.90% | 1.41% | 2.45% | 2.63% | 2.36% | -54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.44% | 9.33% | 5.99% | 6.55% | 6.39% | 2.60% | 1.28% | -5.34% | -1,189 bps | |
| Loan Growth (YoY) | 12.88% | 10.54% | 13.16% | 3.82% | -1.62% | -4.89% | -9.47% | -14.68% | -1,850 bps | |
| Deposit Growth (YoY) | 7.09% | 7.61% | 5.74% | 2.27% | 0.93% | -0.16% | -1.18% | -5.51% | -778 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 | 1.27% | 0.47% | 0.35% | 2.74% | 0.40% | 0.67% | 0.38% | 0.34% | -240 bps | |
| Allowance / Loans | 1.26% | 1.37% | 1.31% | 1.27% | 1.26% | 1.20% | 1.25% | 1.36% | +9 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 | 10.62% | 10.82% | 10.61% | 10.72% | 10.80% | 11.17% | 11.67% | 12.71% | +199 bps | |
| Equity / Assets | 7.37% | 7.38% | 7.45% | 7.31% | 7.43% | 7.60% | 7.73% | 7.95% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.22% | 91.38% | 92.01% | 90.07% | 88.92% | 87.04% | 84.29% | 81.33% | -874 bps | |
| Liquid Assets / Assets | 1.73% | 2.61% | 1.76% | 2.55% | 2.91% | 3.71% | 3.87% | 3.28% | +73 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |