Blountville, TN · Charter 67916
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Blountville, TN · Charter 67916
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 | 1.46% | 1.01% | 0.60% | 0.63% | 0.71% | 2.02% | 1.60% | 1.41% | +77 bps | |
| Return on Equity | 11.41% | 8.27% | 4.72% | 4.75% | 5.20% | 15.49% | 12.33% | 10.67% | +592 bps | |
| Net Interest Margin | 4.03% | 3.57% | 3.41% | 3.32% | 3.45% | 4.54% | 4.01% | 3.81% | +49 bps | |
| Efficiency Ratio | 66.66% | 72.97% | 81.24% | 80.15% | 79.14% | 57.29% | 62.07% | 64.55% | -1,560 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.64% | 31.44% | 60.29% | 50.96% | 35.04% | 36.32% | 7.13% | 12.00% | -3,896 bps | |
| Loan Growth (YoY) | 21.41% | 13.58% | 14.97% | 10.84% | 12.31% | 6.17% | -6.12% | -4.73% | -1,557 bps | |
| Share Growth (YoY) | 15.11% | 33.49% | 61.21% | 50.58% | 33.26% | 35.27% | 7.07% | 13.05% | -3,753 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.19% | 0.49% | 0.42% | 0.86% | 0.46% | 1.25% | 0.21% | -21 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 | 0.34% | 0.27% | 0.32% | 0.36% | 0.33% | 0.32% | 0.23% | 0.08% | -28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.76% | 12.20% | 12.69% | 13.36% | 13.62% | 13.05% | 13.00% | 13.20% | -15 bps | |
| Net Worth / Assets | 12.76% | 12.20% | 12.69% | 13.36% | 13.62% | 13.05% | 13.00% | 13.20% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.67% | 74.55% | 63.55% | 67.18% | 66.30% | 58.51% | 55.72% | 56.61% | -1,057 bps | |
| Liquid Assets / Assets | 26.28% | 28.16% | 36.24% | 24.31% | 35.93% | 33.31% | 35.47% | 39.20% | +1,489 bps | |