Nashville, TN · Charter 60742
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.51% | 4.12% | 4.00% | 1.12% | 1.26% | 1.39% | 1.28% | -7.29% | -841 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 5.55% | 5.37% | -45.69% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.05% | 5.01% | 5.10% | 4.29% | 4.40% | -65 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 68.95% | 70.25% | 70.31% | 70.58% | 71.39% | +243 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.04% | -2.20% | 0.65% | 1.19% | -0.07% | 1.99% | 8.69% | 8.72% | +753 bps | |
| Loan Growth (YoY) | 12.94% | 8.60% | 20.73% | 26.06% | 25.53% | 32.43% | 15.30% | 13.51% | -1,256 bps | |
| Share Growth (YoY) | -2.96% | -6.29% | -2.39% | -0.90% | -2.48% | -0.21% | 8.11% | 20.06% | +2,095 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 1.82% | 0.82% | 0.89% | 0.54% | 0.42% | 2.09% | 1.88% | +99 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 | 0.97% | 0.63% | 1.03% | 1.36% | 1.48% | 1.06% | 1.18% | 13.39% | +1,203 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 24.95% | 23.85% | 15.95% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 24.95% | 23.85% | 15.95% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.44% | 73.63% | 84.08% | 87.89% | 90.67% | 97.71% | 89.68% | 83.09% | -480 bps | |
| Liquid Assets / Assets | 35.33% | 35.48% | 29.31% | 16.31% | 17.53% | 18.93% | 21.95% | 28.79% | +1,248 bps | |