PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Nashoba Bank

Germantown, TN · Cert 32905

FDIC

Q3 2001

$172.5MAssets
$150.6MLoans
$146.4MDeposits
$13.0MEquity
Deposit mix
90%Interest-bearing $132.4M10%Noninterest $13.9MQ3 2000Q3 2001

NIM

8.60%Q1 ’018.30%Q2 ’018.16%Q3 ’01-4%+2%

Non-interest income vs. expense

2.21%Q1 ’012.21%Q2 ’012.39%Q3 ’01+0%+7%

Executive Summary

  • Earnings: ROA of 0.72%, down 26 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.30%.
  • Funding: loans stand at 102.89% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

0.72%-26 bps YoY

Net Interest Margin (YTD, annualized)

3.32%

Efficiency Ratio (YTD, annualized)

61.70%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.98%1.00%0.46%0.67%0.72%-26 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a3.39%3.26%3.32%n/a
Efficiency Ration/an/a56.76%58.83%61.70%n/a
Non-Interest Burdenn/an/a1.71%1.71%1.84%n/a
Growth
Asset Growth (YoY)20.46%20.87%24.67%14.30%10.35%-1,012 bps
Loan Growth (YoY)20.19%21.79%21.96%16.47%10.69%-951 bps
Deposit Growth (YoY)29.19%22.69%28.11%14.43%9.73%-1,946 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.58%0.33%0.30%n/a
Allowance / Loansn/an/a1.13%1.09%1.06%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/a8.52%8.46%8.82%n/a
Equity / Assetsn/an/a6.82%7.14%7.54%n/a
Liquidity & Funding
Loans / Deposits102.00%99.66%96.76%101.43%102.89%+89 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a