Germantown, TN · Cert 35132
FDIC
Q4 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.55% | 0.67% | 0.71% | 0.79% | 0.00% | -0.03% | 0.41% | -30 bps | |
| Return on Equity | 6.22% | 7.37% | 8.61% | 8.71% | 9.65% | -0.04% | -0.21% | 1.83% | -688 bps | |
| Net Interest Margin | 3.22% | 3.16% | 3.25% | 3.55% | 3.45% | 3.46% | -2.35% | 3.57% | +2 bps | |
| Efficiency Ratio | 73.81% | 72.49% | 60.90% | 74.12% | 69.51% | 73.28% | 72.33% | 72.10% | -202 bps | |
| Non-Interest Burden | 2.30% | 2.19% | 1.83% | 2.55% | 2.31% | 2.45% | -1.58% | 2.90% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.19% | 19.96% | 5.64% | 7.89% | 3.65% | -2.70% | 26.69% | 19.25% | +1,135 bps | |
| Loan Growth (YoY) | 19.56% | 13.22% | 8.96% | 6.06% | 5.11% | 3.61% | 2.09% | 5.39% | -68 bps | |
| Deposit Growth (YoY) | 17.97% | 18.58% | 8.56% | 7.38% | 3.35% | -4.65% | 2.74% | -2.86% | -1,024 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 | -0.11% | 0.13% | 0.10% | 0.16% | -0.08% | 0.00% | 0.28% | 0.05% | -11 bps | |
| Allowance / Loans | 1.30% | 1.27% | 1.40% | 1.39% | 1.32% | 1.58% | 1.55% | 1.52% | +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 | 9.84% | 9.75% | 10.61% | 10.95% | 10.91% | 10.54% | 10.84% | 10.18% | -77 bps | |
| Equity / Assets | 7.52% | 7.32% | 8.38% | 8.04% | 8.31% | 8.31% | 22.51% | 22.63% | +1,459 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.65% | 89.06% | 94.48% | 93.22% | 94.23% | 96.77% | 93.88% | 101.13% | +791 bps | |
| Liquid Assets / Assets | 0.02% | 0.15% | 0.08% | 0.10% | 0.08% | 0.03% | 0.18% | 0.15% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |