Munford, TN · Cert 9495
FDIC
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.44% | 1.22% | 1.61% | -1.18% | 1.31% | 1.20% | 1.16% | -44 bps | |
| Return on Equity | 15.88% | 17.43% | 14.45% | 18.70% | -9.54% | 8.71% | 8.45% | 8.51% | -1,019 bps | |
| Net Interest Margin | 3.06% | 3.24% | 3.36% | 3.55% | -2.20% | 3.44% | 3.11% | 3.07% | -48 bps | |
| Efficiency Ratio | 64.45% | 60.40% | 59.42% | 61.17% | 56.52% | 52.02% | 56.48% | 57.93% | -324 bps | |
| Non-Interest Burden | 1.69% | 1.63% | 1.69% | 1.86% | -1.21% | 1.48% | 1.52% | 1.59% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.05% | 7.04% | 5.71% | 0.69% | 12.40% | 25.37% | 29.21% | 32.76% | +3,207 bps | |
| Loan Growth (YoY) | 2.40% | 3.69% | 7.65% | 2.76% | 7.42% | 10.88% | 12.27% | 26.76% | +2,401 bps | |
| Deposit Growth (YoY) | 18.50% | 7.30% | 6.09% | 0.14% | 2.66% | 12.11% | 17.29% | 20.02% | +1,989 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.04% | 0.67% | 0.11% | -0.11% | 0.01% | 0.02% | 0.00% | -11 bps | |
| Allowance / Loans | 1.25% | 1.25% | 1.26% | 1.25% | 1.36% | 1.36% | 1.33% | 1.21% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.40% | 12.17% | 12.55% | 12.85% | 12.39% | 11.75% | 12.86% | 11.91% | -94 bps | |
| Equity / Assets | 8.18% | 8.31% | 8.53% | 8.64% | 15.67% | 14.47% | 13.82% | 13.57% | +493 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.95% | 69.01% | 70.09% | 68.63% | 71.09% | 68.25% | 67.10% | 72.48% | +385 bps | |
| Liquid Assets / Assets | 19.95% | 20.90% | 23.62% | 25.65% | 0.00% | 0.00% | 1.00% | 0.01% | -2,564 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |