Milan, TN · Charter 68107
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 | 2.59% | 3.28% | 2.27% | 0.94% | 1.05% | 1.57% | 0.36% | 0.73% | -21 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 7.31% | 1.92% | 3.39% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.95% | 5.08% | 5.98% | 4.64% | 4.77% | -18 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 74.98% | 67.44% | 64.52% | 74.50% | 76.20% | +122 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.69% | 7.58% | 9.62% | 4.53% | -0.32% | -0.23% | 3.17% | 3.54% | -99 bps | |
| Loan Growth (YoY) | -41.23% | -44.92% | -38.73% | -24.35% | -2.15% | 1.19% | 4.54% | -8.06% | +1,630 bps | |
| Share Growth (YoY) | 9.36% | 6.56% | 9.17% | 3.63% | -3.02% | -3.99% | 0.82% | 0.91% | -272 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.40% | 2.31% | 7.64% | 3.94% | 3.47% | 3.00% | 2.19% | 3.33% | -61 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 | 2.84% | 3.24% | 3.85% | 4.16% | 5.71% | 5.40% | 5.85% | 6.12% | +196 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 21.42% | 18.84% | 21.52% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 21.42% | 18.84% | 21.52% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.88% | 28.83% | 26.12% | 31.76% | 27.12% | 30.39% | 27.09% | 28.94% | -282 bps | |
| Liquid Assets / Assets | 73.74% | 67.30% | 74.92% | 53.01% | 63.50% | 75.00% | 77.74% | 76.90% | +2,388 bps | |