Millington, TN · Charter 9993
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 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.
Millington, TN · Charter 9993
Q3 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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.52% | -0.57% | -1.50% | -0.03% | -0.20% | -0.54% | -0.52% | -11.61% | -1,158 bps | |
| Return on Equity | -2.96% | -3.40% | -9.00% | -0.18% | -1.23% | -3.38% | -3.09% | -127.94% | -12,777 bps | |
| Net Interest Margin | 4.07% | 3.89% | 3.07% | 3.59% | 3.64% | 3.73% | 3.85% | -1.54% | -514 bps | |
| Efficiency Ratio | 97.44% | 95.40% | 113.35% | 99.03% | 100.83% | 101.75% | 100.52% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.20% | -9.46% | -5.36% | 2.36% | 4.20% | 4.02% | -2.89% | -8.87% | -1,123 bps | |
| Loan Growth (YoY) | -8.26% | -7.34% | -11.81% | -17.27% | -5.18% | -11.76% | -15.70% | -24.16% | -689 bps | |
| Share Growth (YoY) | -14.37% | -10.66% | -5.14% | 4.48% | 6.27% | 6.32% | -2.52% | -0.85% | -534 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.00% | 1.92% | 0.63% | 1.75% | 0.67% | 0.74% | 1.47% | +84 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 | 0.13% | 0.83% | 0.90% | 0.47% | 0.67% | 0.41% | 0.70% | 7.17% | +670 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.56% | 16.85% | 16.69% | 16.38% | 16.34% | 15.86% | 16.66% | 9.07% | -731 bps | |
| Net Worth / Assets | 17.56% | 16.85% | 16.69% | 16.38% | 16.34% | 15.86% | 16.66% | 9.07% | -731 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.12% | 77.07% | 70.92% | 67.43% | 69.71% | 63.96% | 61.33% | 51.58% | -1,585 bps | |
| Liquid Assets / Assets | 34.65% | 35.65% | 39.93% | 42.39% | 40.71% | 44.74% | 47.55% | 54.84% | +1,245 bps | |