McMinnville, TN · Charter 68130
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.10% | 2.77% | 3.72% | 2.20% | 1.00% | 1.20% | 1.66% | 0.40% | -180 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 11.60% | 3.31% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.63% | 4.08% | 4.93% | 3.06% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 76.29% | 68.22% | 64.35% | 87.37% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.82% | 8.79% | 8.08% | 5.57% | 6.76% | 3.89% | 6.50% | 2.34% | -323 bps | |
| Loan Growth (YoY) | -23.17% | -21.89% | -23.72% | -21.44% | -29.10% | -18.11% | -27.63% | -17.27% | +417 bps | |
| Share Growth (YoY) | 16.75% | 6.77% | 5.99% | 3.17% | 4.75% | 1.17% | 3.12% | -0.16% | -333 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.01% | 0.27% | 0.50% | 0.00% | 1.05% | 1.93% | 1.88% | +138 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 | 1.20% | 1.60% | 1.73% | 2.36% | 1.83% | 2.03% | 2.42% | 2.61% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 14.27% | 12.12% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 14.27% | 12.12% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.73% | 40.73% | 50.85% | 33.80% | 37.72% | 32.97% | 35.68% | 28.01% | -579 bps | |
| Liquid Assets / Assets | 37.28% | 52.38% | 31.11% | 43.21% | 0.00% | 0.00% | 68.38% | 74.68% | +3,147 bps | |