Cleveland, TN · Charter 67888
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.23% | 3.25% | 3.73% | 1.99% | 1.29% | -1.93% | -1.89% | -8.79% | -1,078 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -13.63% | -151.16% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 6.12% | 5.11% | 6.32% | 3.36% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 75.42% | 83.00% | 81.62% | 99.53% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.48% | 0.02% | 2.41% | -1.05% | 18.95% | 38.51% | 22.96% | 51.33% | +5,238 bps | |
| Loan Growth (YoY) | 19.58% | -14.38% | -13.66% | -5.91% | 51.60% | 96.35% | 96.13% | 70.64% | +7,654 bps | |
| Share Growth (YoY) | -1.51% | -3.13% | -0.38% | -2.20% | 21.00% | 45.16% | 32.39% | 69.96% | +7,216 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.27% | 1.21% | 5.22% | 0.54% | 2.68% | 3.29% | 10.39% | 13.92% | +1,338 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 | 2.35% | 2.74% | 0.79% | 0.43% | 0.85% | 1.13% | 2.00% | 8.38% | +795 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 13.83% | 5.82% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 13.83% | 5.82% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.06% | 64.65% | 73.30% | 69.58% | 102.81% | 87.44% | 108.59% | 69.85% | +28 bps | |
| Liquid Assets / Assets | 25.29% | 40.65% | 30.66% | 38.24% | 3.32% | 5.12% | 3.17% | 36.99% | -124 bps | |