Morristown, TN · Charter 68166
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.17% | 4.81% | 5.08% | 5.02% | 3.87% | 0.03% | 1.87% | 1.55% | -347 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 7.73% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.49% | 4.46% | 4.23% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 71.60% | 45.61% | 50.34% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 31.71% | 38.27% | 25.91% | 0.06% | -8.29% | -15.47% | -18.19% | -2.54% | -261 bps | |
| Loan Growth (YoY) | 4.32% | 25.43% | 16.50% | 12.96% | 13.31% | -26.68% | -14.99% | -7.59% | -2,055 bps | |
| Share Growth (YoY) | 35.86% | 42.24% | 27.41% | -2.13% | -11.62% | -19.41% | -23.12% | -7.08% | -495 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 3.11% | 3.36% | 0.90% | 0.43% | 0.23% | 0.70% | 1.26% | +36 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 | 1.32% | 1.01% | 0.44% | 0.48% | 1.02% | 1.15% | 1.35% | 1.75% | +128 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 20.04% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 20.04% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.88% | 84.84% | 69.70% | 83.89% | 83.18% | 77.19% | 77.08% | 83.43% | -47 bps | |
| Liquid Assets / Assets | 35.04% | 19.58% | 28.67% | 23.44% | 12.14% | 16.08% | 0.00% | 34.48% | +1,104 bps | |