Rogersville, TN · Charter 68117
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.48% | 4.67% | 4.59% | 4.03% | 3.81% | 3.68% | 0.84% | 1.03% | -299 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 4.47% | 5.20% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 77.44% | 69.59% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.71% | 8.70% | 14.53% | 18.29% | 20.38% | 26.24% | 20.53% | 4.27% | -1,402 bps | |
| Loan Growth (YoY) | 13.69% | 26.09% | 20.02% | 12.17% | 3.87% | -12.85% | -6.65% | -1.73% | -1,390 bps | |
| Share Growth (YoY) | -1.17% | 5.74% | 11.74% | 16.98% | 20.30% | 28.01% | 22.19% | 2.08% | -1,490 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 2.03% | 1.54% | 1.36% | 2.37% | 2.95% | 3.32% | 4.01% | +265 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 | 1.14% | 0.90% | 0.90% | 0.78% | 0.84% | 0.93% | 0.83% | 0.76% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.98% | 97.91% | 94.58% | 86.49% | 78.55% | 66.66% | 72.25% | 83.26% | -323 bps | |
| Liquid Assets / Assets | 22.52% | 17.64% | 20.84% | 28.05% | 32.39% | 41.35% | 2.06% | 2.25% | -2,580 bps | |