Murfreesboro, TN · Cert 34246
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 | 0.39% | 0.25% | 0.67% | 0.67% | 0.51% | 0.14% | 0.34% | 0.04% | -63 bps | |
| Return on Equity | 4.34% | 2.84% | 7.83% | 7.84% | 5.97% | 1.62% | 3.96% | 0.49% | -735 bps | |
| Net Interest Margin | 3.62% | 3.27% | 3.85% | 3.71% | 3.29% | 3.06% | 3.29% | 2.89% | -82 bps | |
| Efficiency Ratio | 76.91% | 86.59% | 67.50% | 69.22% | 74.47% | 77.88% | 78.61% | 94.09% | +2,487 bps | |
| Non-Interest Burden | 2.60% | 2.74% | 2.38% | 2.26% | 2.21% | 2.20% | 2.42% | 2.67% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.98% | 7.68% | 6.23% | 13.09% | 11.84% | 1.90% | 6.98% | 4.27% | -882 bps | |
| Loan Growth (YoY) | 4.76% | 3.39% | 19.28% | 22.32% | 5.06% | 3.88% | -8.74% | -10.79% | -3,311 bps | |
| Deposit Growth (YoY) | 5.29% | 8.33% | 6.66% | 13.96% | 12.41% | 1.63% | 7.33% | 4.69% | -927 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 | 0.00% | 0.52% | 0.63% | -0.24% | 0.29% | 0.10% | 1.39% | 1.21% | +145 bps | |
| Allowance / Loans | 1.37% | 1.26% | 1.07% | 1.25% | 1.33% | 1.52% | 1.32% | 1.12% | -13 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 | 12.56% | 12.24% | 11.56% | 11.93% | 12.42% | 12.27% | 12.42% | 12.44% | +51 bps | |
| Equity / Assets | 8.99% | 8.40% | 8.75% | 8.49% | 8.56% | 8.74% | 8.55% | 8.25% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.18% | 78.53% | 89.71% | 83.35% | 78.68% | 80.26% | 76.27% | 71.03% | -1,233 bps | |
| Liquid Assets / Assets | 10.66% | 7.65% | 6.43% | 2.61% | 1.72% | 1.76% | 1.71% | 0.83% | -178 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |