Copperhill, TN · Cert 33903
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Copperhill, TN · Cert 33903
FDIC
Q3 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.66% | 1.85% | 1.78% | 1.48% | 1.04% | 1.50% | 0.59% | 0.98% | -51 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 5.24% | 5.04% | 5.02% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 56.60% | 68.22% | 63.24% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 2.56% | 3.27% | 2.95% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.40% | 3.93% | -1.24% | 1.77% | -4.01% | -4.81% | -1.42% | -5.00% | -678 bps | |
| Loan Growth (YoY) | 0.97% | 0.60% | 3.28% | 2.75% | -0.10% | -1.66% | -1.62% | -7.14% | -989 bps | |
| Deposit Growth (YoY) | 15.98% | 3.01% | -1.48% | -3.51% | -7.40% | -3.78% | -2.17% | -4.50% | -99 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 | n/a | n/a | n/a | n/a | n/a | 0.80% | 0.68% | 0.70% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 2.19% | 2.49% | 2.51% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | 14.94% | 15.81% | 17.00% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 9.54% | 9.48% | 9.96% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.83% | 91.65% | 94.21% | 96.75% | 94.75% | 93.66% | 94.73% | 94.08% | -267 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.61% | 0.03% | 0.03% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |