Memphis, TN · Charter 68159
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 | 3.42% | 3.58% | 2.49% | 2.70% | 1.99% | 2.25% | 2.02% | -0.08% | -278 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -0.29% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 8.83% | 8.22% | 7.03% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 76.14% | 77.30% | 92.06% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.74% | -9.47% | -8.84% | -10.84% | -18.45% | -9.74% | -7.74% | -7.59% | +326 bps | |
| Loan Growth (YoY) | -2.94% | -9.84% | -11.63% | -5.27% | -20.07% | -16.27% | -23.64% | -26.04% | -2,077 bps | |
| Share Growth (YoY) | -6.62% | -16.73% | -15.93% | -17.83% | -27.04% | -14.22% | -11.50% | -12.23% | +561 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.42% | 5.06% | 8.97% | 3.22% | 3.10% | 6.13% | 7.55% | 0.35% | -286 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 | 2.46% | 2.47% | 2.49% | 2.54% | 2.64% | 2.82% | 2.70% | 2.73% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 27.38% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 27.38% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 109.77% | 115.48% | 113.95% | 117.50% | 120.26% | 112.73% | 98.31% | 99.02% | -1,848 bps | |
| Liquid Assets / Assets | 6.06% | 7.41% | 6.74% | 5.23% | 5.05% | 0.00% | 0.00% | 28.40% | +2,317 bps | |