Sevierville, TN · Cert 34789
FDIC
Q1 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -16.46% | -2.39% | -8.40% | 1.18%1 | 1.12% | -0.58% | -3.22% | -0.74% | -192 bps | |
| Return on Equity | -247% | -53.40% | -260% | 52.65% | 44.86% | -20.84% | -127.15% | -35.63% | -8,828 bps | |
| Net Interest Margin | 2.55% | 2.50% | 2.43% | 2.42% | 2.23% | 2.25% | 1.95% | 2.03% | -39 bps | |
| Efficiency Ratio | 239% | 102.19% | 118.68% | 91.21% | 68.89% | 119.17% | 129.16% | 126.30% | +3,509 bps | |
| Non-Interest Burden | 6.33% | 2.57% | 2.98% | 2.12% | 1.08% | 2.82% | 2.69% | 2.77% | +65 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.23% | -11.46% | -9.70% | -3.47% | -2.71% | -8.42% | -9.77% | -15.26% | -1,179 bps | |
| Loan Growth (YoY) | -13.07% | -14.69% | -16.67% | -14.15% | -15.72% | -19.12% | -14.38% | -17.01% | -287 bps | |
| Deposit Growth (YoY) | -7.24% | -6.15% | -3.89% | 3.40% | -0.41% | -7.95% | -9.64% | -15.91% | -1,931 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 15.34% | 3.37% | 12.54% | 0.55% | 0.38% | 1.99% | 5.24% | 0.30% | -26 bps | |
| Allowance / Loans | 4.12% | 4.44% | 4.78% | 4.60% | 4.88% | 4.74% | 4.58% | 4.61% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 7.69% | 7.06% | 4.35% | 4.77% | 5.36% | 5.17% | 4.06% | 3.90% | -87 bps | |
| Equity / Assets | 4.70% | 4.26% | 2.17% | 2.31% | 2.69% | 2.89% | 2.16% | 1.97% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.69% | 77.02% | 71.92% | 70.60% | 66.58% | 67.68% | 68.14% | 69.68% | -93 bps | |
| Liquid Assets / Assets | 3.06% | 4.21% | 6.36% | 8.61% | 11.03% | 7.92% | 6.19% | 6.45% | -216 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |