PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Third NB of South Central TN

Pulaski, TN · Cert 4946

FDIC

Q4 1999

$339.0MAssets
$224.4MLoans
$299.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.41%, down 23 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 74.89% of deposits as of Q4 1999.

Return on Assets (YTD, annualized)

1.41%-23 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets1.50%1.50%1.49%1.64%1.33%1.36%1.41%1.41%-23 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)1.48%-0.40%-1.84%1.62%2.56%2.93%0.51%-2.27%-389 bps
Loan Growth (YoY)14.24%5.77%5.80%4.65%7.15%14.83%9.21%7.79%+314 bps
Deposit Growth (YoY)1.51%3.62%1.40%5.58%3.15%1.92%0.18%-5.04%-1,062 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits65.18%65.77%68.21%65.97%67.71%74.10%74.35%74.89%+892 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a