McMinnville, TN · Charter 68125
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.50% | 1.78% | 1.83% | 3.25% | 2.51% | 3.71% | 0.06% | 0.23% | -302 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 | 4.54% | 4.16% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 98.58% | 94.52% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.01% | -19.29% | -16.20% | -24.49% | -17.26% | -13.68% | -9.12% | -4.54% | +1,994 bps | |
| Loan Growth (YoY) | -15.56% | -24.55% | -11.51% | -0.01% | -18.55% | 4.00% | -24.76% | 4.65% | +466 bps | |
| Share Growth (YoY) | -22.40% | -23.05% | -20.56% | -29.24% | -20.89% | -18.21% | -12.54% | -8.82% | +2,042 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.53% | 3.32% | 0.79% | 0.62% | 0.00% | 0.00% | 0.28% | 0.09% | -53 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 | 2.52% | 2.72% | 2.28% | 2.73% | 2.42% | 2.04% | 3.03% | 2.61% | -12 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 | 56.33% | 56.34% | 71.98% | 69.97% | 57.99% | 71.64% | 61.92% | 80.30% | +1,034 bps | |
| Liquid Assets / Assets | 48.11% | 49.41% | 35.01% | 40.85% | 38.09% | 40.82% | 0.00% | 0.00% | -4,085 bps | |