Jackson, TN · Charter 67754
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.78% | 0.64% | 0.52% | 0.93% | 1.10% | 0.93% | 0.75% | +22 bps | |
| Return on Equity | 4.54% | 6.38% | 5.47% | 4.14% | 7.64% | 9.06% | 8.08% | 6.76% | +262 bps | |
| Net Interest Margin | 4.39% | 4.35% | 4.20% | 4.37% | 4.00% | 4.00% | 3.80% | 4.13% | -24 bps | |
| Efficiency Ratio | 78.01% | 76.76% | 79.09% | 82.95% | 79.52% | 77.38% | 78.25% | 81.87% | -108 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.89% | 8.42% | 10.92% | 15.09% | 9.58% | 5.49% | 8.00% | 10.49% | -460 bps | |
| Loan Growth (YoY) | 16.00% | 1.29% | 3.49% | 0.54% | 8.07% | 6.53% | 7.88% | 14.14% | +1,360 bps | |
| Share Growth (YoY) | 11.08% | 7.63% | 10.36% | 15.21% | 9.74% | 5.47% | 8.60% | 14.55% | -66 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.52% | 1.90% | 0.81% | 2.59% | 3.06% | 1.07% | 1.17% | +36 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 | 1.69% | 1.42% | 1.66% | 1.57% | 1.75% | 1.69% | 1.46% | 1.05% | -51 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.63% | 12.16% | 11.72% | 12.68% | 12.12% | 12.19% | 11.56% | 11.05% | -163 bps | |
| Net Worth / Assets | 12.63% | 12.16% | 11.72% | 12.68% | 12.12% | 12.19% | 11.56% | 11.05% | -163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.64% | 71.37% | 70.02% | 75.53% | 73.50% | 72.08% | 69.55% | 75.27% | -26 bps | |
| Liquid Assets / Assets | 32.81% | 35.36% | 36.68% | 34.36% | 31.19% | 36.39% | 38.26% | 31.74% | -262 bps | |