Kenton, TN · Cert 6105
FDIC
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Kenton, TN · Cert 6105
FDIC
Q4 2002
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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.01% | -0.24% | -0.73% | -0.78% | -0.31% | -0.07% | 0.10% | 0.15% | +92 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -3.88% | -0.90% | 1.25% | 1.78% | n/a | |
| Net Interest Margin | 2.63% | 2.51% | 2.47% | 2.40% | 2.48% | 2.80% | 3.08% | 3.04% | +64 bps | |
| Efficiency Ratio | 82.03% | 88.53% | 93.34% | 98.31% | 94.14% | 86.69% | 83.29% | 84.23% | -1,407 bps | |
| Non-Interest Burden | 2.05% | 2.15% | 2.27% | 2.35% | 2.30% | 2.33% | 2.44% | 2.44% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.46% | 1.51% | -1.49% | -1.10% | 1.17% | 3.26% | 2.49% | -0.40% | +70 bps | |
| Loan Growth (YoY) | 16.05% | 11.14% | 10.46% | 7.53% | -0.27% | -1.12% | -3.27% | 4.60% | -292 bps | |
| Deposit Growth (YoY) | 9.44% | 6.27% | 8.57% | -0.22% | 2.59% | 5.11% | 4.11% | -2.72% | -251 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 | 0.43% | 0.97% | 0.97% | 0.98% | -0.16% | 0.29% | 0.43% | 0.51% | -47 bps | |
| Allowance / Loans | 1.37% | 1.31% | 1.97% | 2.26% | 2.67% | 2.67% | 2.55% | 2.29% | +3 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 | 14.28% | 13.78% | 12.70% | 12.35% | 13.08% | 13.12% | 12.97% | 12.45% | +10 bps | |
| Equity / Assets | 8.38% | 8.62% | 8.37% | 7.72% | 8.19% | 8.57% | 8.65% | 8.51% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.97% | 77.65% | 80.24% | 73.46% | 70.93% | 73.05% | 74.55% | 78.99% | +553 bps | |
| Liquid Assets / Assets | 0.06% | 0.06% | 0.06% | 0.01% | 0.75% | 0.76% | 0.04% | 1.45% | +144 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |