Franklin, TN · Charter 24734
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Franklin, TN · Charter 24734
Q1 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.29% | 0.12% | 0.12% | -0.28% | 0.17% | -12 bps | |
| Return on Equity | 2.51% | 1.04% | 0.93% | -2.49% | 1.86% | -66 bps | |
| Net Interest Margin | 3.34% | 3.59% | 3.96% | 3.81% | 3.51% | +17 bps | |
| Efficiency Ratio | 87.64% | 87.86% | 88.19% | 91.39% | 84.10% | -353 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.64% | 14.13% | -2.06% | 2.69% | 10.40% | -924 bps | |
| Loan Growth (YoY) | 8.95% | 3.24% | -0.63% | 10.37% | 10.83% | +188 bps | |
| Share Growth (YoY) | 20.26% | 14.72% | -2.79% | 3.81% | 6.82% | -1,344 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.98% | 1.07% | 0.81% | 0.99% | 1.47% | +49 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.43% | 0.50% | 0.51% | 0.68% | 0.68% | +25 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.57% | 11.80% | 12.46% | 11.34% | 9.31% | -226 bps | |
| Net Worth / Assets | 11.57% | 11.80% | 12.46% | 11.34% | 9.31% | -226 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.88% | 85.95% | 96.17% | 95.08% | 87.03% | +314 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |