Clinton, TN · Charter 14721
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Clinton, TN · Charter 14721
Q1 2010
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | -0.05% | -0.07% | 0.10% | -2.30% | -297 bps | |
| Return on Equity | 5.95% | -0.40% | -0.64% | 0.91% | -40.63% | -4,658 bps | |
| Net Interest Margin | 3.09% | 3.30% | 2.95% | 2.92% | 4.42% | +133 bps | |
| Efficiency Ratio | 81.96% | 101.24% | 97.09% | 97.21% | 117.35% | +3,539 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.27% | -20.08% | -6.65% | -1.95% | 10.91% | +564 bps | |
| Loan Growth (YoY) | 10.42% | 12.05% | 15.04% | 11.39% | -7.03% | -1,745 bps | |
| Share Growth (YoY) | 7.07% | -21.60% | -6.84% | -2.18% | 16.89% | +982 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.03% | 5.20% | 3.02% | 14.02% | 2.24% | -378 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.18% | 2.20% | 2.13% | 0.64% | 0.38% | -180 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.33% | 12.56% | 11.07% | 11.33% | 5.66% | -567 bps | |
| Net Worth / Assets | 11.33% | 12.56% | 11.07% | 11.33% | 5.66% | -567 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.21% | 87.99% | 78.00% | 81.77% | 61.41% | -1,580 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |