Memphis, TN · Charter 11894
Q1 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.46% | -0.47% | -0.52% | 0.07% | -39.50% | -27.27% | -22.77% | -15.78% | -1,585 bps | |
| Return on Equity | -1.31% | -1.33% | -1.51% | 0.20% | -217% | -149.23% | -126.02% | -101.68% | -10,189 bps | |
| Net Interest Margin | 0.89% | 0.93% | 0.99% | 1.20% | -1.37% | -0.57% | -0.09% | 1.50% | +30 bps | |
| Efficiency Ratio | 146.62% | 146.38% | 148.53% | 94.85% | n/a | n/a | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.46% | -7.42% | -2.13% | -1.54% | -9.00% | -9.87% | -15.38% | -22.22% | -2,069 bps | |
| Loan Growth (YoY) | -5.37% | 4.72% | -5.06% | -20.50% | -21.32% | -1.72% | 10.76% | 32.18% | +5,268 bps | |
| Share Growth (YoY) | -7.70% | -10.60% | -2.49% | -1.80% | 12.60% | 13.68% | 5.98% | 0.42% | +222 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.96% | 1.81% | 0.13% | 0.83% | 0.48% | 0.33% | 0.59% | +46 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 | 1.85% | 1.69% | 1.78% | 2.10% | 2.15% | 1.65% | 1.24% | 2.14% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 34.84% | 35.08% | 34.56% | 34.23% | 18.21% | 18.27% | 18.07% | 15.52% | -1,871 bps | |
| Net Worth / Assets | 34.84% | 35.08% | 34.56% | 34.23% | 18.21% | 18.27% | 18.07% | 15.52% | -1,871 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 19.06% | 20.10% | 18.99% | 16.05% | 13.32% | 17.37% | 19.84% | 21.12% | +507 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |