Columbia, TN · Charter 67790
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 | 1.06% | 0.66% | 0.71% | 0.70% | 1.20% | 1.06% | 1.42% | 0.95% | +25 bps | |
| Return on Equity | 8.23% | 5.22% | 5.40% | 5.30% | 8.95% | 7.93% | 10.34% | 6.92% | +162 bps | |
| Net Interest Margin | 4.05% | 4.00% | 4.10% | 4.08% | 4.79% | 4.76% | 4.79% | 4.94% | +86 bps | |
| Efficiency Ratio | 81.13% | 88.05% | 87.42% | 87.68% | 81.77% | 83.24% | 77.99% | 85.58% | -210 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.02% | 10.61% | 11.20% | 10.97% | 2.83% | 0.90% | 5.38% | 2.84% | -813 bps | |
| Loan Growth (YoY) | -2.42% | 12.86% | 14.10% | 17.89% | 22.24% | 17.10% | 18.38% | 16.72% | -116 bps | |
| Share Growth (YoY) | 18.84% | 8.85% | 12.90% | 12.25% | 2.36% | 2.96% | 4.73% | -1.12% | -1,337 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.24% | 0.53% | 0.81% | 0.42% | 0.06% | 0.00% | 0.09% | -72 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 | 1.49% | 1.42% | 1.30% | 0.98% | 0.94% | 0.66% | 0.51% | 0.37% | -61 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.94% | 12.60% | 13.16% | 13.18% | 13.37% | 13.41% | 13.72% | 13.77% | +59 bps | |
| Net Worth / Assets | 12.94% | 12.60% | 13.16% | 13.18% | 13.37% | 13.41% | 13.72% | 13.77% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.93% | 60.62% | 63.62% | 67.29% | 70.38% | 68.94% | 71.91% | 79.43% | +1,214 bps | |
| Liquid Assets / Assets | 42.40% | 40.09% | 22.76% | 25.48% | 16.66% | 20.42% | 30.53% | 25.50% | +3 bps | |