Rogersville, TN · Charter 68108
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.73% | 4.57% | 3.57% | 5.00% | 1.61% | 1.72% | 1.54% | 1.26% | -373 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 6.77% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 7.66% | 7.74% | 7.45% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 66.78% | 62.03% | 63.93% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.50% | -5.72% | -5.59% | -8.08% | 0.38% | 3.12% | 4.45% | 17.89% | +2,597 bps | |
| Loan Growth (YoY) | 18.43% | 15.00% | 14.69% | 22.50% | 26.70% | 39.30% | 48.84% | 31.08% | +857 bps | |
| Share Growth (YoY) | -11.28% | -10.98% | -10.51% | -14.32% | -5.28% | -2.49% | -0.92% | 16.08% | +3,040 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.34% | 4.04% | 3.21% | 1.67% | 1.70% | 4.86% | 3.03% | 4.05% | +238 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 | 2.17% | 2.61% | 2.25% | 1.88% | 2.36% | 1.62% | 1.76% | 1.76% | -12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 18.66% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 18.66% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.57% | 77.96% | 73.76% | 95.22% | 95.74% | 111.37% | 110.81% | 107.52% | +1,230 bps | |
| Liquid Assets / Assets | 13.47% | 5.29% | 12.58% | 0.00% | 0.00% | 0.00% | 0.00% | 12.00% | +1,200 bps | |