Memphis, TN · Charter 11318
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Memphis, TN · Charter 11318
Q4 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.87% | -1.33% | -1.60% | -6.82% | -1.86% | -1.99% | -14.65% | -20721300% | -2,072,129,318 bps | |
| Return on Equity | -4.19% | -6.01% | -7.37% | -38.66% | -10.65% | -11.63% | -14.68% | n/a | n/a | |
| Net Interest Margin | 1.51% | 1.46% | 1.44% | -3.68% | 0.83% | 0.92% | 4.32% | -17166500% | -1,716,649,632 bps | |
| Efficiency Ratio | 151.64% | 181.88% | 193.77% | n/a | 330% | 333% | 461% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.87% | -12.30% | -15.01% | -20.09% | -15.26% | -9.23% | -85.09% | -100.00% | -7,991 bps | |
| Loan Growth (YoY) | -31.58% | -26.18% | -29.04% | -38.97% | -38.65% | -60.22% | -100.00% | -100.00% | -6,103 bps | |
| Share Growth (YoY) | -5.21% | -13.99% | -17.00% | -18.27% | -11.92% | -3.89% | -99.96% | -100.00% | -8,173 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.71% | 0.00% | 9.44% | 0.00% | 6.82% | 0.00% | n/a | n/a | n/a | |
| 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 | 1.23% | 1.20% | 1.92% | 1.24% | 1.29% | 1.31% | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 20.81% | 22.06% | 21.71% | 17.64% | 17.43% | 17.06% | 99.79% | 0.00% | -1,764 bps | |
| Net Worth / Assets | 20.81% | 22.06% | 21.71% | 17.64% | 17.43% | 17.06% | 99.79% | 0.00% | -1,764 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.04% | 21.12% | 19.78% | 16.08% | 14.66% | 8.74% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |