Johnson City, TN · Cert 34104
FDIC
Q1 2004
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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 1.19% | 1.11% | 1.27% | 1.25% | 1.33% | 1.14% | -0.48% | -175 bps | |
| Return on Equity | 16.40% | 14.81% | 13.73% | 16.10% | 15.88% | 16.97% | 14.48% | -6.03% | -2,212 bps | |
| Net Interest Margin | 4.04% | 3.97% | 3.90% | 4.41% | 4.27% | 4.17% | 4.09% | 4.06% | -35 bps | |
| Efficiency Ratio | 58.87% | 58.49% | 57.17% | 52.56% | 54.22% | 54.78% | 57.09% | 91.61% | +3,905 bps | |
| Non-Interest Burden | 2.27% | 2.22% | 2.12% | 2.20% | 2.18% | 2.17% | 2.22% | 3.70% | +150 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.04% | 18.35% | 16.96% | 17.57% | 18.40% | 15.95% | 13.05% | 5.28% | -1,229 bps | |
| Loan Growth (YoY) | 12.98% | 19.54% | 22.39% | 30.16% | 24.98% | 16.93% | 18.49% | 6.06% | -2,409 bps | |
| Deposit Growth (YoY) | 9.59% | 20.05% | 17.32% | 13.28% | 18.60% | 16.30% | 12.46% | 8.74% | -454 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 | 0.06% | 0.07% | 0.19% | 0.36% | 0.24% | 0.39% | 0.26% | 1.80% | +144 bps | |
| Allowance / Loans | 1.12% | 1.20% | 1.29% | 1.17% | 1.27% | 1.25% | 1.40% | 1.38% | +21 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 | 10.86% | 10.97% | 10.78% | 10.60% | 11.11% | 11.47% | 11.37% | 11.22% | +62 bps | |
| Equity / Assets | 8.17% | 8.20% | 8.07% | 7.70% | 7.88% | 7.82% | 7.92% | 7.90% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.68% | 81.54% | 83.27% | 88.58% | 86.08% | 81.98% | 87.73% | 86.40% | -218 bps | |
| Liquid Assets / Assets | 0.19% | 0.19% | 0.84% | 0.79% | 0.54% | 0.94% | 0.97% | 0.78% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |