La Follette, TN · Cert 4944
FDIC
Q4 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.17% | -0.27% | -0.08% | -2.32% | -1.14% | -0.50% | -0.17% | -9 bps | |
| Return on Equity | 4.86% | 2.24% | -3.38% | -0.99% | -27.25% | -13.32% | -5.73% | -1.94% | -95 bps | |
| Net Interest Margin | 3.65% | 3.92% | 4.08% | 4.05% | 3.96% | 4.05% | 4.03% | 3.93% | -12 bps | |
| Efficiency Ratio | 80.20% | 81.74% | 82.33% | 81.93% | 104.18% | 92.07% | 87.86% | 86.21% | +428 bps | |
| Non-Interest Burden | 2.78% | 3.06% | 3.23% | 3.19% | 4.16% | 3.67% | 3.43% | 3.27% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.98% | -3.62% | -8.60% | -6.32% | -8.09% | -4.95% | -2.17% | 3.35% | +966 bps | |
| Loan Growth (YoY) | -2.87% | -4.65% | -8.79% | -8.23% | -8.65% | -8.68% | -7.56% | -8.64% | -41 bps | |
| Deposit Growth (YoY) | 5.78% | -3.92% | -8.96% | -7.05% | -9.60% | -4.77% | -2.78% | 3.18% | +1,022 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 | 0.93% | 2.40% | 3.01% | 2.57% | 3.37% | 1.97% | 1.52% | 1.11% | -145 bps | |
| Allowance / Loans | 2.73% | 2.14% | 2.07% | 2.12% | 2.09% | 2.37% | 2.38% | 0.00% | -212 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 | 12.68% | 12.82% | 14.18% | 14.38% | 13.90% | 13.93% | 14.59% | 13.78% | -60 bps | |
| Equity / Assets | 7.65% | 7.85% | 8.84% | 8.64% | 8.37% | 8.57% | 9.03% | 8.93% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.65% | 80.69% | 80.43% | 77.63% | 78.46% | 77.38% | 76.48% | 68.74% | -889 bps | |
| Liquid Assets / Assets | 3.75% | 0.19% | 3.49% | 2.72% | 4.00% | 5.78% | 7.21% | 13.52% | +1,081 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |