Chattanooga, TN · Charter 24510
Q3 2014
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | 1.55% | 1.52% | 1.06% | 1.14% | 2.00% | 0.77% | 0.80% | -26 bps | |
| Return on Equity | 0.20% | 7.46% | 7.24% | 5.24% | 4.84% | 8.70% | 3.44% | 3.65% | -159 bps | |
| Net Interest Margin | 5.84% | 6.35% | 6.17% | 5.82% | 6.56% | 6.45% | 6.15% | 5.70% | -12 bps | |
| Efficiency Ratio | 98.03% | 77.53% | 77.33% | 83.10% | 84.06% | 71.11% | 70.07% | 72.73% | -1,037 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.02% | 13.99% | -5.42% | -4.01% | 10.76% | -4.72% | -2.77% | -4.49% | -48 bps | |
| Loan Growth (YoY) | 96.54% | 40.89% | 9.65% | -0.69% | -2.96% | -9.82% | -12.35% | -12.94% | -1,225 bps | |
| Share Growth (YoY) | -6.54% | 17.08% | -7.83% | -5.83% | 12.93% | -7.19% | -4.38% | -6.67% | -85 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.10% | 0.87% | 5.06% | 7.91% | 6.54% | 6.83% | 11.38% | 4.45% | -346 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.11% | 2.04% | 1.97% | 1.55% | 1.56% | 1.65% | 1.50% | 1.15% | -40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.75% | 20.80% | 20.98% | 20.27% | 23.48% | 23.02% | 22.23% | 22.02% | +176 bps | |
| Net Worth / Assets | 24.75% | 20.80% | 20.98% | 20.27% | 23.48% | 23.02% | 22.23% | 22.02% | +176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 126.81% | 102.93% | 97.22% | 90.10% | 108.97% | 100.01% | 89.12% | 84.05% | -605 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |