Athens, TN · Charter 21071
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Athens, TN · Charter 21071
Q3 2010
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | -2.89% | -3.37% | -17.01% | -5.99% | -612 bps | |
| Return on Equity | 0.81% | -20.03% | -24.14% | -167.88% | -62.46% | -6,327 bps | |
| Net Interest Margin | 5.34% | 5.52% | 5.25% | 5.73% | 5.14% | -19 bps | |
| Efficiency Ratio | 46.85% | 40.24% | 46.71% | 49.66% | 59.65% | +1,280 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.51% | -3.75% | -2.13% | -4.75% | -6.85% | -1,236 bps | |
| Loan Growth (YoY) | 1.11% | -0.55% | -2.48% | -7.87% | -14.81% | -1,592 bps | |
| Share Growth (YoY) | 7.48% | -1.27% | 1.97% | 1.39% | 0.57% | -692 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.13% | 3.51% | 3.02% | 4.27% | 4.90% | +77 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.98% | 4.47% | 2.71% | 6.81% | 8.21% | +523 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.02% | 14.42% | 13.97% | 10.13% | 9.59% | -643 bps | |
| Net Worth / Assets | 16.02% | 14.42% | 13.97% | 10.13% | 9.59% | -643 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.69% | 105.61% | 101.68% | 94.65% | 85.29% | -1,540 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |