Elizabethton, TN · Charter 68142
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Elizabethton, TN · Charter 68142
Q1 2003
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 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.22% | 1.99% | 1.91% | 0.83% | 0.22% | -0.01% | 0.67% | -0.45% | -129 bps | |
| Return on Equity | n/a | 5.33% | 5.18% | 2.33% | 0.57% | -0.03% | 1.76% | -1.19% | -352 bps | |
| Net Interest Margin | 4.62% | 4.46% | 4.21% | 3.76% | 2.94% | 3.13% | 3.18% | 3.17% | -58 bps | |
| Efficiency Ratio | 42.65% | 54.67% | 60.36% | 64.54% | 92.98% | 80.23% | 69.35% | 84.25% | +1,970 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.02% | -10.93% | -6.57% | -1.78% | 1.16% | 2.84% | -1.39% | -4.02% | -224 bps | |
| Loan Growth (YoY) | -11.85% | -6.83% | -1.65% | -2.74% | -18.99% | -14.16% | -19.81% | -24.10% | -2,136 bps | |
| Share Growth (YoY) | -20.88% | -20.55% | -16.42% | -7.95% | -2.20% | 0.64% | -2.53% | -6.55% | +140 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.26% | 8.92% | 7.32% | 26.54% | 16.20% | 10.67% | 6.21% | 6.11% | -2,043 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 | 0.69% | 1.38% | 1.37% | 2.12% | 2.91% | 4.15% | 2.73% | 0.00% | -212 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 37.33% | 36.88% | 35.78% | 37.54% | 37.24% | 38.07% | 37.93% | +215 bps | |
| Net Worth / Assets | n/a | 37.33% | 36.88% | 35.78% | 37.54% | 37.24% | 38.07% | 37.93% | +215 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.04% | 63.16% | 62.14% | 55.16% | 51.39% | 53.87% | 51.13% | 44.80% | -1,036 bps | |
| Liquid Assets / Assets | 47.64% | 59.48% | 61.02% | 64.71% | 67.97% | 67.70% | 68.09% | 70.67% | +597 bps | |