Cookville, TN · Charter 67233
Q3 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 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.56% | 1.75% | 1.51% | 1.39% | 1.66% | 0.87% | 1.00% | 0.94% | -44 bps | |
| Return on Equity | 9.89% | 9.41% | 9.66% | 9.35% | 8.96% | 5.15% | 6.28% | 5.98% | -337 bps | |
| Net Interest Margin | 3.02% | 3.48% | 2.80% | 2.56% | 3.05% | 2.52% | 2.29% | 2.27% | -28 bps | |
| Efficiency Ratio | 57.56% | 57.70% | 55.04% | 55.42% | 55.89% | 65.83% | 61.22% | 63.67% | +825 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.43% | 15.97% | 21.57% | 46.61% | -1.61% | 23.45% | 6.00% | 0.77% | -4,584 bps | |
| Loan Growth (YoY) | -6.04% | -15.36% | -11.93% | -21.48% | -17.85% | -17.39% | -21.24% | -14.75% | +673 bps | |
| Share Growth (YoY) | 14.25% | 12.80% | 20.92% | 53.28% | -4.62% | 26.36% | 5.71% | -0.34% | -5,363 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.20% | 1.49% | 1.51% | 2.00% | 1.54% | 2.80% | 6.54% | +503 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 | 1.47% | 1.50% | 1.19% | 1.01% | 1.00% | 0.84% | 0.95% | 1.01% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.76% | 18.64% | 15.58% | 14.84% | 18.53% | 16.83% | 15.89% | 15.77% | +93 bps | |
| Net Worth / Assets | 15.76% | 18.64% | 15.58% | 14.84% | 18.53% | 16.83% | 15.89% | 15.77% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.00% | 46.88% | 35.16% | 30.95% | 37.90% | 30.65% | 26.19% | 26.47% | -447 bps | |
| Liquid Assets / Assets | 44.05% | 60.90% | 69.37% | 72.58% | 61.48% | 68.76% | 74.11% | 73.97% | +139 bps | |