Hollow Rock, TN · Charter 24777
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | -3.90% | -2.86% | -2.49% | -2.31% | -3.33% | 0.98% | 0.19% | +267 bps | |
| Return on Equity | 34.31% | -146.30% | -143.00% | -174.41% | -207% | -1243% | 61.20% | 14.98% | +18,940 bps | |
| Net Interest Margin | 1.22% | 1.18% | 1.16% | 1.21% | 1.25% | 4.97% | 4.95% | 4.96% | +374 bps | |
| Efficiency Ratio | 90.03% | 185.69% | 165.09% | 157.17% | 151.76% | 90.92% | 71.20% | 82.31% | -7,486 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 209% | 94.24% | 59.68% | 35.03% | 16.74% | 7.87% | 0.95% | -4.16% | -3,920 bps | |
| Loan Growth (YoY) | n/a | 13453% | 68.26% | 20.20% | 318% | 299% | 329% | 320% | +29,945 bps | |
| Share Growth (YoY) | 225% | 104.56% | 58.88% | 44.43% | 20.30% | 10.20% | 1.16% | -4.25% | -4,867 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 7.73% | 1.96% | 1.82% | 0.00% | 0.00% | -773 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 | 2.08% | 2.99% | 3.10% | 3.81% | 0.96% | 1.15% | 0.85% | 1.04% | -278 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.00% | 2.66% | 2.00% | 1.43% | 1.12% | 0.27% | 1.59% | 1.26% | -17 bps | |
| Net Worth / Assets | 4.00% | 2.66% | 2.00% | 1.43% | 1.12% | 0.27% | 1.59% | 1.26% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 16.43% | 13.96% | 14.82% | 13.24% | 57.15% | 50.59% | 62.92% | 58.01% | +4,477 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |