Chattanooga, TN · Charter 24634
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.40% | 0.03% | 0.00% | 0.27% | -1.34% | 0.64% | 0.57% | +57 bps | |
| Return on Equity | 0.86% | 2.60% | 0.19% | 0.00% | 1.70% | -9.11% | 4.83% | 5.05% | +505 bps | |
| Net Interest Margin | 3.60% | 3.70% | 3.43% | 3.32% | 3.69% | 3.61% | 3.35% | 3.01% | -31 bps | |
| Efficiency Ratio | 92.03% | 86.83% | 94.47% | 94.82% | 88.43% | 88.56% | 75.96% | 74.96% | -1,986 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.80% | -3.07% | -7.18% | -3.90% | -4.86% | -4.80% | -6.31% | -1.74% | +216 bps | |
| Loan Growth (YoY) | 0.74% | -8.61% | -5.40% | 0.21% | -0.88% | -13.10% | -18.92% | -18.99% | -1,919 bps | |
| Share Growth (YoY) | 5.54% | -2.52% | -6.41% | -1.99% | -4.08% | -2.83% | -5.54% | 1.99% | +398 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.04% | 3.71% | 5.29% | 8.31% | 4.39% | 6.29% | 5.43% | 0.61% | -770 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 | 0.95% | 0.35% | 1.37% | 1.25% | 1.36% | 0.37% | 2.03% | 1.35% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.77% | 15.32% | 15.05% | 15.06% | 16.04% | 14.75% | 13.30% | 11.20% | -386 bps | |
| Net Worth / Assets | 14.77% | 15.32% | 15.05% | 15.06% | 16.04% | 14.75% | 13.30% | 11.20% | -386 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.38% | 72.88% | 69.14% | 69.86% | 69.62% | 65.18% | 59.34% | 55.49% | -1,437 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |