Nashville, TN · Charter 68056
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 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.
Nashville, TN · Charter 68056
Q2 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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.56% | 0.61% | 0.57% | 0.51% | 0.42% | -0.43% | 0.20% | -37 bps | |
| Return on Equity | 3.88% | 2.53% | 2.60% | 2.55% | 2.23% | 1.97% | -2.09% | 0.97% | -158 bps | |
| Net Interest Margin | 5.45% | 5.01% | 5.19% | 4.99% | 4.99% | 4.66% | 3.91% | 4.13% | -86 bps | |
| Efficiency Ratio | 80.88% | 85.77% | 85.17% | 85.12% | 86.13% | 87.23% | 105.58% | 91.72% | +660 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.07% | 7.45% | 2.59% | 6.85% | 5.26% | 7.55% | 15.14% | 10.31% | +346 bps | |
| Loan Growth (YoY) | 6.39% | 1.11% | 6.33% | -4.20% | -12.63% | -8.18% | -10.94% | -3.88% | +32 bps | |
| Share Growth (YoY) | 4.09% | 7.35% | 0.96% | 7.03% | 5.49% | 11.45% | 19.81% | 13.03% | +600 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.49% | 3.65% | 1.07% | 0.98% | 0.82% | 1.26% | 0.99% | 0.66% | -32 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 | 1.17% | 1.21% | 1.17% | 1.46% | 1.57% | 1.30% | 1.60% | 1.49% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.04% | 22.24% | 23.36% | 22.18% | 22.85% | 21.38% | 20.59% | 20.35% | -183 bps | |
| Net Worth / Assets | 23.04% | 22.24% | 23.36% | 22.18% | 22.85% | 21.38% | 20.59% | 20.35% | -183 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.11% | 76.91% | 81.62% | 69.99% | 72.97% | 63.37% | 60.67% | 59.52% | -1,047 bps | |
| Liquid Assets / Assets | 31.00% | 38.95% | 36.49% | 33.53% | 28.19% | 26.83% | 24.20% | 51.55% | +1,802 bps | |