Paris, TN · Charter 68079
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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.
Paris, TN · Charter 68079
Q4 2002
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.31% | 0.60% | 0.64% | 0.48% | -0.15% | 0.25% | 0.33% | -31 bps | |
| Return on Equity | n/a | n/a | 2.57% | 2.96% | 2.01% | -0.70% | 1.26% | 1.38% | -159 bps | |
| Net Interest Margin | 5.86% | 4.95% | 6.04% | 5.14% | 5.62% | 4.20% | 3.90% | 4.40% | -73 bps | |
| Efficiency Ratio | 87.28% | 89.36% | 84.34% | 81.91% | 81.63% | 93.49% | 85.99% | 85.47% | +356 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.72% | 13.32% | 15.14% | 12.75% | 7.94% | 1.06% | 20.42% | -8.28% | -2,103 bps | |
| Loan Growth (YoY) | 2.92% | 17.48% | 24.15% | 21.15% | -11.87% | -26.36% | -37.11% | -32.41% | -5,356 bps | |
| Share Growth (YoY) | 6.74% | 14.32% | 17.31% | 14.15% | 8.51% | 0.42% | 25.78% | -11.13% | -2,528 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.91% | 1.16% | 0.92% | 2.04% | 0.54% | 0.34% | 0.29% | 0.73% | -131 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 | 1.15% | 1.41% | 1.22% | 1.65% | 0.88% | 1.40% | 1.63% | 1.83% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 23.39% | 21.52% | 23.76% | 20.82% | 20.03% | 23.93% | +241 bps | |
| Net Worth / Assets | n/a | n/a | 23.39% | 21.52% | 23.76% | 20.82% | 20.03% | 23.93% | +241 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.77% | 60.56% | 76.17% | 57.82% | 58.29% | 44.41% | 38.09% | 43.98% | -1,385 bps | |
| Liquid Assets / Assets | 0.00% | 13.88% | 29.66% | 52.91% | 42.08% | 56.24% | 53.14% | 54.66% | +174 bps | |