Memphis, TN · Charter 68087
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Memphis, TN · Charter 68087
Q4 2001
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.22% | 4.10% | 1.79% | -2.85% | 0.74% | 0.77% | 0.28% | -0.50% | +234 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 9.82% | 3.84% | -7.41% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.93% | 5.00% | 5.21% | 4.28% | 4.25% | -68 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 103.42% | 86.90% | 87.97% | 90.76% | 92.48% | -1,094 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.62% | -12.12% | -11.50% | -16.09% | -15.80% | -7.61% | -4.39% | 5.35% | +2,144 bps | |
| Loan Growth (YoY) | -4.17% | -9.18% | -3.12% | -5.69% | -11.59% | -17.94% | -25.86% | -19.19% | -1,351 bps | |
| Share Growth (YoY) | -5.99% | -14.01% | -13.05% | -15.37% | -14.91% | -6.46% | -3.42% | 5.38% | +2,076 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.22% | 4.36% | 5.49% | 7.45% | 6.28% | 5.12% | 6.59% | 2.29% | -517 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 | 1.74% | 1.95% | 1.95% | 3.53% | 3.51% | 2.47% | 2.32% | 2.52% | -101 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 7.80% | 7.31% | 6.77% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 7.80% | 7.31% | 6.77% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.80% | 69.84% | 65.74% | 67.24% | 61.09% | 61.27% | 50.46% | 51.55% | -1,568 bps | |
| Liquid Assets / Assets | 42.61% | 31.18% | 24.83% | 0.08% | 24.70% | 26.32% | 49.01% | 48.53% | +4,844 bps | |