Clinton, TN · Charter 14721
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | -0.33% | -1.00% | 0.67% | -0.05% | -0.07% | 0.10% | -2.30% | -297 bps | |
| Return on Equity | 0.88% | -3.04% | -9.12% | 5.95% | -0.40% | -0.64% | 0.91% | -40.63% | -4,658 bps | |
| Net Interest Margin | 3.29% | 2.70% | 2.73% | 3.09% | 3.30% | 2.95% | 2.92% | 4.42% | +133 bps | |
| Efficiency Ratio | 97.41% | 110.01% | 115.42% | 81.96% | 101.24% | 97.09% | 97.21% | 117.35% | +3,539 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 39.64% | 32.84% | 10.58% | 5.27% | -20.08% | -6.65% | -1.95% | 10.91% | +564 bps | |
| Loan Growth (YoY) | 7.42% | -0.47% | 6.41% | 10.42% | 12.05% | 15.04% | 11.39% | -7.03% | -1,745 bps | |
| Share Growth (YoY) | 46.55% | 38.80% | 13.15% | 7.07% | -21.60% | -6.84% | -2.18% | 16.89% | +982 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.78% | 8.27% | 3.05% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.74% | 1.73% | 2.32% | 2.18% | 2.20% | 2.13% | 0.64% | 0.38% | -180 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.02% | 10.94% | 11.01% | 11.33% | 12.56% | 11.07% | 11.33% | 5.66% | -567 bps | |
| Net Worth / Assets | 11.02% | 10.94% | 11.01% | 11.33% | 12.56% | 11.07% | 11.33% | 5.66% | -567 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.56% | 63.17% | 71.81% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |