Smithville, TN · Cert 34163
FDIC
Q1 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.33% | 0.94% | -1.63% | 1.61% | 0.96% | 0.51% | 0.92% | +254 bps | |
| Return on Equity | 17.16% | 18.26% | 12.95% | -23.99% | 24.46% | 13.91% | 7.26% | 13.05% | +3,704 bps | |
| Net Interest Margin | 4.65% | 4.33% | 4.29% | 4.05% | 4.01% | 3.96% | 3.89% | 3.70% | -36 bps | |
| Efficiency Ratio | 52.37% | 53.91% | 54.92% | 56.59% | 54.44% | 57.10% | 53.89% | 57.13% | +55 bps | |
| Non-Interest Burden | 1.96% | 1.99% | 1.98% | 1.94% | 1.82% | 1.93% | 1.69% | 1.77% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.92% | 11.02% | 16.82% | 20.70% | 13.17% | 10.86% | 7.59% | 2.74% | -1,796 bps | |
| Loan Growth (YoY) | 14.48% | 15.65% | 17.07% | 15.79% | 11.73% | 3.79% | 0.33% | -2.33% | -1,812 bps | |
| Deposit Growth (YoY) | 11.39% | 11.59% | 17.34% | 18.20% | 13.71% | 9.05% | 7.01% | 6.09% | -1,211 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 | 0.45% | 0.17% | 0.37% | 1.57% | 2.13% | 0.75% | 1.72% | 0.26% | -131 bps | |
| Allowance / Loans | 1.32% | 1.27% | 1.39% | 2.28% | 1.82% | 1.81% | 1.85% | 1.97% | -31 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 | 13.33% | 13.03% | 12.99% | 12.24% | 12.86% | 13.01% | 13.13% | 13.37% | +113 bps | |
| Equity / Assets | 7.31% | 7.31% | 7.22% | 6.38% | 6.78% | 7.03% | 7.02% | 7.00% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.36% | 90.23% | 88.89% | 86.82% | 86.82% | 85.88% | 83.34% | 79.93% | -689 bps | |
| Liquid Assets / Assets | 2.07% | 1.99% | 1.90% | 1.78% | 1.63% | 1.60% | 1.58% | 1.55% | -23 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |