Brentwood, TN · Charter 68066
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 0.68% | 0.47% | 0.57% | 0.56% | 0.64% | 0.69% | 0.72% | +15 bps | |
| Return on Equity | 7.26% | 4.50% | 3.12% | 3.68% | 3.61% | 4.11% | 4.55% | 4.60% | +91 bps | |
| Net Interest Margin | 3.83% | 3.96% | 4.09% | 4.26% | 4.86% | 4.70% | 4.54% | 4.70% | +45 bps | |
| Efficiency Ratio | 77.79% | 84.68% | 88.41% | 86.94% | 87.89% | 85.64% | 83.97% | 83.98% | -296 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.24% | 4.32% | 2.68% | 4.79% | 1.98% | 1.75% | 7.02% | 3.71% | -109 bps | |
| Loan Growth (YoY) | 6.40% | 13.62% | 23.71% | 29.78% | 23.18% | 16.89% | 15.47% | 11.76% | -1,802 bps | |
| Share Growth (YoY) | 1.14% | 4.61% | 2.50% | 4.96% | 1.74% | 0.74% | 6.99% | 3.80% | -116 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.91% | 0.54% | 0.29% | 0.55% | 0.61% | 0.54% | 0.59% | 0.88% | +33 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 | 1.00% | 0.77% | 0.46% | 0.52% | 0.37% | 0.31% | 0.46% | 0.43% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.08% | 15.09% | 15.22% | 15.56% | 15.52% | 15.68% | 15.24% | 15.73% | +17 bps | |
| Net Worth / Assets | 15.08% | 15.09% | 15.22% | 15.56% | 15.52% | 15.68% | 15.24% | 15.73% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.79% | 75.73% | 82.06% | 87.30% | 85.70% | 87.88% | 88.56% | 93.99% | +669 bps | |
| Liquid Assets / Assets | 23.64% | 19.51% | 17.88% | 15.29% | 14.42% | 15.17% | 15.59% | 10.22% | -507 bps | |