Parsons, TN · Cert 19849
FDIC
Q2 2013
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.20% | -0.47% | 0.36% | -0.35% | -1.86% | -1.46% | -1.97% | -2.99% | -264 bps | |
| Return on Equity | -5.12% | -12.26% | 11.04% | -10.27% | -59.33% | -47.88% | -79.11% | -141.46% | -13,119 bps | |
| Net Interest Margin | 2.75% | 2.78% | 2.66% | 2.93% | 3.04% | 3.32% | 3.00% | 3.22% | +28 bps | |
| Efficiency Ratio | 101.17% | 104.19% | 80.00% | 85.56% | 87.10% | 88.70% | 125.30% | 142.79% | +5,723 bps | |
| Non-Interest Burden | 2.80% | 2.94% | 1.84% | 2.45% | 2.58% | 2.88% | 3.55% | 4.13% | +168 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.47% | -13.86% | -14.46% | -18.78% | -20.37% | -28.25% | -28.43% | -22.22% | -344 bps | |
| Loan Growth (YoY) | -17.43% | -18.66% | -21.85% | -21.04% | -21.15% | -28.80% | -25.71% | -27.70% | -666 bps | |
| Deposit Growth (YoY) | -8.51% | -11.55% | -11.99% | -17.27% | -16.95% | -26.43% | -26.08% | -18.62% | -136 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 | 1.94% | 2.68% | -0.01% | 2.07% | 3.58% | 3.99% | 0.59% | 2.85% | +78 bps | |
| Allowance / Loans | 2.56% | 2.31% | 2.68% | 2.28% | 2.77% | 2.52% | 2.92% | 2.96% | +68 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 | 6.24% | 5.04% | 5.41% | 5.24% | 3.70% | 4.16% | 3.74% | 1.34% | -390 bps | |
| Equity / Assets | 4.17% | 3.21% | 3.38% | 3.52% | 2.34% | 2.70% | 2.28% | 1.32% | -220 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.77% | 79.03% | 76.08% | 79.51% | 77.64% | 76.48% | 76.46% | 70.65% | -887 bps | |
| Liquid Assets / Assets | 9.74% | 9.95% | 13.11% | 7.48% | 8.69% | 6.75% | 7.63% | 9.91% | +243 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |