Lynchburg, TN · Cert 1690
FDIC
Q1 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.96% | -0.36% | -11.77% | -0.32% | -1.22% | -29.10% | -4.04% | -0.33% | 0 bps | |
| Return on Equity | -7.39% | -2.78% | -99.11% | -3.07% | -11.10% | -343% | -84.54% | -7.64% | -458 bps | |
| Net Interest Margin | 3.03% | 2.93% | 2.76% | 2.95% | 2.75% | 2.98% | 2.93% | 2.94% | -1 bps | |
| Efficiency Ratio | 105.66% | 93.15% | 174.40% | 108.93% | 120.21% | 127.66% | 127.49% | 102.79% | -614 bps | |
| Non-Interest Burden | 3.44% | 2.94% | 10.07% | 3.48% | 4.87% | 4.08% | 4.06% | 3.27% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 276% | 19.07% | -10.27% | -7.20% | -14.84% | -22.03% | -21.76% | -18.97% | -1,177 bps | |
| Loan Growth (YoY) | 254% | 20.04% | -10.07% | -10.27% | -15.66% | -14.86% | -17.92% | -20.03% | -976 bps | |
| Deposit Growth (YoY) | 277% | 19.16% | -8.97% | -4.35% | -13.14% | -14.86% | -16.41% | -13.26% | -890 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.21% | 1.98% | 4.15% | 1.03% | 3.28% | 0.61% | 13.59% | 1.01% | -1 bps | |
| Allowance / Loans | 2.23% | 1.99% | 4.16% | 3.99% | 3.53% | 5.61% | 3.58% | 3.50% | -49 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.57% | 10.70% | 7.66% | 7.58% | 8.02% | 5.83% | 4.80% | 4.80% | -278 bps | |
| Equity / Assets | 13.08% | 13.16% | 10.55% | 10.48% | 11.49% | 5.16% | 4.39% | 4.13% | -635 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.93% | 76.79% | 73.22% | 71.60% | 74.71% | 76.79% | 71.89% | 66.02% | -559 bps | |
| Liquid Assets / Assets | 6.54% | 9.66% | 7.50% | 7.90% | 9.58% | 8.39% | 7.51% | 2.24% | -566 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |