Murfreesboro, TN · Cert 34595
FDIC
Q1 2003
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 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.40% | 0.39% | 0.66% | 0.72% | 0.75% | 0.76% | 0.65% | -1 bps | |
| Return on Equity | n/a | n/a | n/a | 7.33% | 8.26% | 8.57% | 8.69% | 7.42% | +9 bps | |
| Net Interest Margin | 3.09% | 3.21% | 3.24% | 3.78% | 3.65% | 3.43% | 3.57% | 3.57% | -22 bps | |
| Efficiency Ratio | 83.35% | 84.36% | 85.70% | 78.46% | 76.18% | 75.39% | 74.24% | 74.41% | -405 bps | |
| Non-Interest Burden | 2.37% | 2.52% | 2.59% | 2.74% | 2.54% | 2.36% | 2.38% | 2.38% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.76% | 9.25% | 11.04% | 18.91% | 21.71% | 19.44% | 14.92% | 9.35% | -956 bps | |
| Loan Growth (YoY) | 26.32% | 28.54% | 25.10% | 21.57% | 9.86% | 8.87% | 4.50% | 8.45% | -1,312 bps | |
| Deposit Growth (YoY) | 14.02% | 9.88% | 10.84% | 18.39% | 24.45% | 19.32% | 14.69% | 7.93% | -1,046 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% | 0.01% | 0.07% | 0.08% | 0.10% | 0.08% | 0.13% | 0.06% | -3 bps | |
| Allowance / Loans | 1.10% | 1.08% | 1.03% | 0.99% | 0.96% | 0.91% | 0.90% | 0.90% | -9 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 | 13.12% | 14.00% | 13.62% | 13.32% | 13.17% | 13.21% | 13.42% | 13.18% | -14 bps | |
| Equity / Assets | 9.74% | 9.71% | 9.19% | 8.74% | 8.38% | 8.68% | 8.73% | 8.71% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.42% | 89.84% | 87.77% | 82.49% | 76.29% | 81.97% | 79.97% | 82.89% | +40 bps | |
| Liquid Assets / Assets | 0.01% | 0.04% | 0.04% | 0.02% | 0.02% | 0.00% | 0.02% | 0.01% | -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 |