Bristol, TN · Charter 68000
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.89% | 3.76% | 3.78% | 0.86% | 1.04% | 1.02% | 0.23% | 0.29% | -58 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 5.13% | 1.21% | 1.44% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.33% | 4.32% | 4.74% | 4.03% | 4.27% | -6 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 80.69% | 77.17% | 79.17% | 94.48% | 93.44% | +1,275 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.39% | 3.02% | 11.38% | 3.14% | 1.41% | -8.64% | -11.29% | -5.20% | -835 bps | |
| Loan Growth (YoY) | -9.03% | -10.19% | -9.47% | -12.90% | -3.81% | -2.26% | -5.08% | -4.69% | +821 bps | |
| Share Growth (YoY) | -3.34% | 0.74% | 10.76% | 1.31% | -0.54% | -12.39% | -14.74% | -7.87% | -918 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.07% | +7 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 | 0.40% | 0.42% | 0.44% | 0.46% | 0.44% | 0.44% | 0.46% | 0.48% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 19.89% | 18.93% | 19.84% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 19.89% | 18.93% | 19.84% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.55% | 64.48% | 56.56% | 62.39% | 63.39% | 71.93% | 62.97% | 64.54% | +215 bps | |
| Liquid Assets / Assets | 16.30% | 34.57% | 36.50% | 22.47% | 25.21% | 37.39% | 44.29% | 43.98% | +2,151 bps | |