Memphis, TN · Charter 4139
Q2 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.37% | -0.67% | -1.55% | -1.01% | -5.51% | 1.66% | -7.26% | -571 bps | |
| Return on Equity | 7.55% | 3.04% | -5.78% | -13.38% | -8.77% | -70.50% | 20.05% | -156.31% | -14,293 bps | |
| Net Interest Margin | 4.31% | 3.73% | 3.77% | 4.26% | 4.11% | 4.49% | 4.18% | 4.20% | -6 bps | |
| Efficiency Ratio | 72.23% | 77.25% | 85.82% | 85.31% | 85.05% | 86.71% | 68.92% | 115.67% | +3,037 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.61% | 0.95% | 5.78% | -4.97% | -2.79% | -15.61% | -13.99% | -12.57% | -760 bps | |
| Loan Growth (YoY) | 5.54% | 14.94% | 3.48% | -13.35% | -21.97% | -31.83% | -30.24% | -25.94% | -1,259 bps | |
| Share Growth (YoY) | 0.98% | 1.88% | 7.80% | -3.29% | -1.35% | -11.45% | -10.81% | -5.78% | -249 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.04% | 4.11% | 4.62% | 7.11% | 12.39% | 6.41% | 3.19% | 3.68% | -343 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.77% | 1.59% | 2.71% | 3.87% | 3.54% | 8.24% | 6.46% | 12.15% | +828 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.61% | 12.09% | 11.54% | 11.56% | 11.51% | 7.82% | 8.28% | 4.64% | -692 bps | |
| Net Worth / Assets | 12.61% | 12.09% | 11.54% | 11.56% | 11.51% | 7.82% | 8.28% | 4.64% | -692 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.59% | 84.62% | 76.64% | 73.07% | 67.70% | 65.14% | 59.94% | 57.44% | -1,563 bps | |
| Liquid Assets / Assets | 21.09% | 21.93% | 29.06% | 32.95% | 38.18% | 37.69% | 44.65% | 45.87% | +1,292 bps | |