Gallatin, TN · Cert 32741
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.80% | -0.39% | 1.24% | 1.61% | 1.15% | 0.75% | 0.87% | -37 bps | |
| Return on Equity | 3.71% | 9.07% | -4.49% | 14.04% | 17.76% | 12.45% | 8.07% | 9.31% | -473 bps | |
| Net Interest Margin | 3.72% | 3.66% | 3.92% | 3.83% | 3.67% | 3.65% | 3.48% | 3.22% | -62 bps | |
| Efficiency Ratio | 61.70% | 67.41% | 61.37% | 59.38% | 65.57% | 62.15% | 64.91% | 68.60% | +922 bps | |
| Non-Interest Burden | 1.83% | 2.15% | 2.06% | 1.69% | 1.98% | 1.80% | 1.84% | 1.84% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.69% | 7.55% | 8.88% | 5.91% | 7.23% | 4.59% | 6.84% | 4.87% | -104 bps | |
| Loan Growth (YoY) | 3.32% | 0.54% | 6.11% | 9.25% | 1.50% | 1.35% | 0.74% | 1.67% | -758 bps | |
| Deposit Growth (YoY) | 7.44% | 7.74% | 9.62% | 6.74% | 7.71% | 4.53% | 6.95% | 4.44% | -229 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 | 2.51% | 0.37% | 4.33% | 0.07% | -1.44% | -0.07% | 0.70% | 0.32% | +25 bps | |
| Allowance / Loans | 1.16% | 1.20% | 1.13% | 1.17% | 1.20% | 1.25% | 1.25% | 1.15% | -2 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 | 14.06% | 14.41% | 13.90% | 14.13% | 15.19% | 15.76% | 15.40% | 15.36% | +123 bps | |
| Equity / Assets | 8.90% | 8.83% | 8.66% | 9.01% | 9.14% | 9.36% | 9.24% | 9.51% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.19% | 64.03% | 65.90% | 66.90% | 63.32% | 62.07% | 62.07% | 65.13% | -177 bps | |
| Liquid Assets / Assets | 21.15% | 20.07% | 23.42% | 13.66% | 11.09% | 9.72% | 5.93% | 5.45% | -821 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |