Memphis, TN · Charter 11339
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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 11339
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.30% | -0.50% | -0.69% | -0.57% | -0.92% | -2.85% | -11.33% | -0.50% | +8 bps | |
| Return on Equity | -2.92% | -4.61% | -6.51% | -5.44% | -8.93% | -31.02% | -486% | -20.72% | -1,528 bps | |
| Net Interest Margin | 2.42% | 2.61% | 2.60% | 2.21% | 2.24% | 2.29% | 2.74% | 2.90% | +69 bps | |
| Efficiency Ratio | 115.75% | 118.46% | 123.14% | 119.05% | 131.05% | 177.31% | 528% | 114.29% | -475 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.41% | -7.57% | -9.44% | -5.14% | -9.74% | -7.85% | -20.51% | -25.84% | -2,070 bps | |
| Loan Growth (YoY) | 8.70% | 7.96% | -0.24% | 4.46% | -8.15% | 0.85% | -4.91% | -12.36% | -1,682 bps | |
| Share Growth (YoY) | -0.15% | -8.50% | -10.34% | -4.08% | -9.13% | -8.80% | -12.27% | -19.18% | -1,511 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.57% | 1.67% | 2.09% | 0.89% | 9.24% | 6.32% | 2.22% | 2.64% | +174 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 | 1.30% | 1.46% | 1.63% | 1.67% | 1.72% | 2.10% | 6.06% | 7.42% | +575 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.22% | 10.75% | 10.61% | 10.56% | 10.32% | 9.19% | 2.33% | 2.39% | -817 bps | |
| Net Worth / Assets | 10.22% | 10.75% | 10.61% | 10.56% | 10.32% | 9.19% | 2.33% | 2.39% | -817 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.11% | 33.72% | 33.25% | 33.30% | 33.47% | 37.28% | 36.04% | 36.11% | +281 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |