Crossville, AL · Cert 19023
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.71% | -2.46% | -2.90% | -2.76% | -1.06% | -7.40% | -1.04% | -0.92% | +184 bps | |
| Return on Equity | -48.05% | -34.12% | -44.05% | -47.62% | -20.33% | -128.28% | -15.91% | -14.38% | +3,324 bps | |
| Net Interest Margin | 3.52% | 3.77% | 3.39% | 3.55% | 3.29% | 3.03% | 3.03% | 3.35% | -20 bps | |
| Efficiency Ratio | 110.63% | 106.50% | 111.19% | 116.70% | 116.70% | 131.63% | 110.95% | 103.90% | -1,280 bps | |
| Non-Interest Burden | 3.99% | 4.07% | 3.86% | 4.23% | 3.94% | 4.00% | 3.42% | 3.48% | -76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.88% | -2.33% | -4.82% | -3.24% | 1.68% | 2.72% | -4.10% | -2.70% | +54 bps | |
| Loan Growth (YoY) | 7.21% | -2.12% | -5.25% | -12.69% | -14.38% | -17.25% | -20.19% | -17.78% | -509 bps | |
| Deposit Growth (YoY) | 7.03% | -2.05% | -3.60% | -0.66% | 4.02% | 3.15% | -4.62% | -3.53% | -288 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 | 4.95% | 0.03% | 0.79% | 2.41% | 5.56% | 1.34% | 8.79% | 1.54% | -87 bps | |
| Allowance / Loans | 1.98% | 2.67% | 3.38% | 3.80% | 2.81% | 5.20% | 3.64% | 3.74% | -5 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 | 11.76% | 10.26% | 9.64% | 8.95% | 8.78% | 11.16% | 11.18% | 11.11% | +216 bps | |
| Equity / Assets | 7.37% | 7.03% | 6.14% | 5.44% | 5.04% | 6.51% | 6.55% | 6.21% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.23% | 82.56% | 77.18% | 71.15% | 65.22% | 66.23% | 64.58% | 60.64% | -1,051 bps | |
| Liquid Assets / Assets | 9.94% | 5.62% | 10.43% | 14.58% | 19.07% | 18.97% | 18.76% | 22.34% | +776 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |