Crossville, AL · Cert 19023
FDIC
Q3 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.43% | -2.46% | -2.66% | -2.69% | -2.28% | -7.40% | -4.28% | -3.16% | -47 bps | |
| Return on Equity | -32.95% | -34.12% | -38.89% | -41.51% | -36.79% | -128.28% | -71.07% | -52.14% | -1,063 bps | |
| Net Interest Margin | 3.59% | 3.77% | 3.56% | 3.58% | 3.45% | 3.03% | 3.08% | 3.17% | -41 bps | |
| Efficiency Ratio | 108.47% | 106.50% | 108.74% | 111.26% | 112.56% | 131.63% | 120.68% | 115.26% | +399 bps | |
| Non-Interest Burden | 4.03% | 4.07% | 3.94% | 4.07% | 3.97% | 4.00% | 3.78% | 3.68% | -38 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 | 1.70% | 0.03% | 0.41% | 1.10% | 2.27% | 1.34% | 5.11% | 4.06% | +296 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 |