Johnson City, TN · Charter 68169
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.
Johnson City, TN · Charter 68169
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 | 0.42% | 0.05% | -0.84% | -1.13% | -4.43% | -2.71% | -5.28% | -2.26% | -113 bps | |
| Return on Equity | n/a | 0.15% | -2.51% | -3.37% | -13.04% | -8.51% | -16.57% | -6.88% | -351 bps | |
| Net Interest Margin | 6.65% | 6.28% | 4.59% | 4.03% | 1.32% | 1.77% | 1.09% | -1.18% | -521 bps | |
| Efficiency Ratio | 91.92% | 98.13% | 116.03% | 125.97% | 409% | 251% | 576% | 266% | +13,957 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.99% | -5.84% | -3.89% | -3.22% | -12.37% | -9.42% | -12.44% | -14.42% | -1,120 bps | |
| Loan Growth (YoY) | -36.30% | -28.53% | -29.83% | -63.84% | -79.23% | -86.38% | -92.97% | -87.41% | -2,357 bps | |
| Share Growth (YoY) | -24.98% | -2.42% | -3.90% | -3.57% | -13.69% | -8.86% | -11.69% | -13.57% | -1,000 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 18.61% | 12.80% | 15.20% | 0.00% | 100.00% | +8,139 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 | 3.93% | 5.17% | 6.57% | 12.78% | 27.91% | 49.97% | 119.87% | 119.87% | +10,709 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 33.24% | 33.49% | 33.65% | 33.98% | 31.91% | 31.87% | 32.88% | -77 bps | |
| Net Worth / Assets | n/a | 33.24% | 33.49% | 33.65% | 33.98% | 31.91% | 31.87% | 32.88% | -77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.54% | 50.67% | 44.13% | 25.08% | 13.37% | 7.57% | 3.51% | 3.65% | -2,142 bps | |
| Liquid Assets / Assets | 0.00% | 66.98% | 71.72% | 84.17% | 79.83% | 95.57% | 84.45% | 100.48% | +1,631 bps | |