Memphis, TN · Charter 67980
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.66% | 0.49% | 0.40% | 0.23% | 0.26% | -1.16% | -2.37% | -277 bps | |
| Return on Equity | 5.33% | 3.99% | 3.07% | 2.37% | 1.32% | 1.39% | -6.27% | -11.98% | -1,435 bps | |
| Net Interest Margin | 4.64% | 4.41% | 4.27% | 4.42% | 4.68% | 4.74% | 4.80% | 5.34% | +92 bps | |
| Efficiency Ratio | 70.89% | 74.44% | 78.20% | 80.13% | 82.27% | 81.66% | 88.83% | 92.67% | +1,254 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.50% | 4.95% | 7.11% | 2.09% | -5.68% | -11.38% | -17.27% | -24.26% | -2,635 bps | |
| Loan Growth (YoY) | -16.28% | -18.35% | -15.25% | -10.11% | -12.71% | -17.78% | -20.36% | -32.14% | -2,203 bps | |
| Share Growth (YoY) | 4.20% | 5.12% | 7.94% | 2.15% | -7.08% | -13.85% | -19.70% | -24.90% | -2,705 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.25% | 7.55% | 6.13% | 8.31% | 6.41% | 7.50% | 8.28% | 1.39% | -693 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 | 3.75% | 3.96% | 3.51% | 3.39% | 4.13% | 2.64% | 5.09% | 1.94% | -145 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.50% | 16.51% | 16.06% | 16.78% | 17.73% | 18.82% | 18.54% | 19.77% | +299 bps | |
| Net Worth / Assets | 16.50% | 16.51% | 16.06% | 16.78% | 17.73% | 18.82% | 18.54% | 19.77% | +299 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.55% | 32.63% | 31.10% | 32.49% | 31.52% | 31.14% | 30.85% | 29.36% | -313 bps | |
| Liquid Assets / Assets | 25.38% | 23.73% | 31.28% | 29.82% | 35.72% | 41.04% | 37.47% | 37.41% | +759 bps | |