Knoxville, TN · Charter 24795
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Knoxville, TN · Charter 24795
Q4 2012
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.25% | 0.21% | 0.10% | 0.10% | -56 bps | |
| Return on Equity | 7.87% | 3.10% | 2.55% | 1.18% | 1.17% | -670 bps | |
| Net Interest Margin | 3.59% | 3.19% | 3.22% | 3.23% | 3.21% | -37 bps | |
| Efficiency Ratio | 86.49% | 87.67% | 92.12% | 95.53% | 95.01% | +851 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.47% | -2.61% | -2.86% | -0.76% | 0.48% | +495 bps | |
| Loan Growth (YoY) | -4.01% | 1.22% | 1.29% | 0.75% | -3.21% | +81 bps | |
| Share Growth (YoY) | -6.11% | -4.17% | -3.92% | -0.83% | 0.71% | +682 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.36% | 0.84% | 0.89% | 1.02% | 1.95% | +60 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.01% | 0.97% | 1.03% | 0.92% | 0.85% | -16 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.43% | 8.15% | 8.31% | 8.38% | 8.49% | +6 bps | |
| Net Worth / Assets | 8.43% | 8.15% | 8.31% | 8.38% | 8.49% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.01% | 70.24% | 71.66% | 71.77% | 69.21% | -280 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |