Chattanooga, TN · Charter 67606
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.71% | 4.49% | 5.14% | 4.65% | 4.86% | 4.72% | 4.54% | 4.00% | -65 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 5.80% | 11.32% | 18.03% | 19.37% | 16.62% | 13.00% | 7.39% | -1,064 bps | |
| Loan Growth (YoY) | n/a | 17.65% | 19.58% | 13.67% | 11.53% | 2.93% | 4.61% | 21.33% | +766 bps | |
| Share Growth (YoY) | n/a | 3.46% | 8.84% | 16.39% | 18.11% | 15.20% | 11.77% | 6.37% | -1,001 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.60% | 0.61% | 0.76% | 0.68% | 0.70% | 1.30% | 0.99% | +22 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 | 1.89% | 1.72% | 0.89% | 0.92% | 0.76% | 0.76% | 0.86% | 0.68% | -24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.39% | 83.33% | 83.50% | 75.15% | 73.08% | 74.45% | 78.15% | 85.72% | +1,056 bps | |
| Liquid Assets / Assets | 7.21% | 11.51% | 12.32% | 20.52% | 28.03% | 20.70% | 17.69% | 7.06% | -1,346 bps | |