Murfreesboro, TN · Charter 68128
Q4 1996
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.61% | 3.54% | 3.87% | 4.08% | 3.56% | 3.75% | +21 bps | |
| Return on Equity | 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 | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 4.42% | -1.80% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 44.28% | 9.82% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 4.34% | -2.83% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 0.00% | 5.47% | 4.34% | 4.04% | 4.16% | 5.00% | -47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.87% | 2.31% | 2.00% | 2.96% | 3.84% | 3.65% | +134 bps | |
| Capital | ||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | ||||||||
| Loans / Shares | 52.79% | 57.48% | 78.13% | 84.38% | 73.00% | 64.96% | +749 bps | |
| Liquid Assets / Assets | 31.38% | 34.99% | 4.14% | 5.73% | 5.34% | 36.46% | +148 bps | |