Nashville, TN · Charter 68147
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.40% | 3.80% | 3.57% | 3.48% | 3.45% | 0.42% | 0.46% | 0.29% | -319 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 3.09% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 5.25% | 4.74% | 4.89% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 90.41% | 89.30% | 90.37% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.03% | 10.88% | 33.95% | 41.17% | 41.92% | 28.14% | 2.65% | -2.36% | -4,353 bps | |
| Loan Growth (YoY) | 26.83% | 32.75% | 53.17% | 54.27% | 46.86% | 24.53% | -5.60% | -17.37% | -7,164 bps | |
| Share Growth (YoY) | 4.36% | 9.55% | 32.93% | 40.74% | 41.31% | 28.75% | 2.44% | -2.53% | -4,327 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.32% | 0.25% | 0.39% | 1.86% | 0.39% | 0.36% | 0.24% | -14 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 | 0.77% | 0.79% | 0.65% | 0.85% | 0.87% | 1.43% | 0.90% | 1.06% | +20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 9.23% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 9.23% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.69% | 82.86% | 82.37% | 88.38% | 81.78% | 80.14% | 75.90% | 74.93% | -1,345 bps | |
| Liquid Assets / Assets | 18.23% | 17.28% | 17.96% | 13.03% | 16.96% | 3.85% | 5.34% | 22.78% | +975 bps | |