Nashville, TN · Charter 68133
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Nashville, TN · Charter 68133
Q4 2002
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 2.28% | 1.85% | 1.75% | 1.30% | 0.00% | 0.00% | 0.00% | -175 bps | |
| Return on Equity | n/a | n/a | 4.51% | 4.82% | 3.03% | 0.00% | 0.00% | 0.00% | -482 bps | |
| Net Interest Margin | 5.85% | 5.27% | 6.39% | 3.90% | 3.95% | 2.70% | 2.45% | 2.45% | -145 bps | |
| Efficiency Ratio | 40.34% | 47.73% | 41.53% | 55.55% | 62.21% | 74.14% | 78.46% | 69.22% | +1,367 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.77% | -3.55% | -10.43% | -10.52% | -20.40% | -15.13% | -0.07% | -23.01% | -1,249 bps | |
| Loan Growth (YoY) | -16.77% | -29.90% | -49.81% | -57.67% | -59.32% | -59.87% | -49.06% | -48.12% | +955 bps | |
| Share Growth (YoY) | 0.74% | -10.93% | -21.36% | -18.89% | -34.06% | -25.75% | -2.62% | -30.10% | -1,120 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 9.37% | 21.35% | 9.52% | 23.15% | 18.40% | 16.87% | 18.58% | +906 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 | 0.84% | 1.43% | 6.08% | 5.50% | 5.65% | 0.77% | 1.16% | 28.76% | +2,326 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 41.06% | 36.36% | 43.09% | 43.55% | 42.37% | 42.23% | +587 bps | |
| Net Worth / Assets | n/a | n/a | 41.06% | 36.36% | 43.09% | 43.55% | 42.37% | 42.23% | +587 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.87% | 77.94% | 68.54% | 48.84% | 58.52% | 42.13% | 35.85% | 36.25% | -1,259 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 59.43% | 0.00% | 67.12% | 74.64% | 78.22% | 83.69% | +8,369 bps | |