Cordova, TN · Charter 5639
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 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.
Cordova, TN · Charter 5639
Q2 2012
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 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | -1.43% | -2.32% | -1.48% | -1.85% | -1.77% | -6.92% | -45.93% | -4,445 bps | |
| Return on Equity | -0.72% | -4.99% | -8.21% | -5.43% | -6.21% | -5.84% | -23.64% | -306% | -30,056 bps | |
| Net Interest Margin | 3.71% | 3.11% | 3.78% | 3.75% | 4.18% | 4.41% | 4.31% | 1.55% | -220 bps | |
| Efficiency Ratio | 138.31% | 154.75% | 139.44% | 128.55% | 136.85% | 137.18% | 149.76% | 490% | +36,105 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.21% | -3.74% | -3.98% | 1.43% | -9.10% | -11.51% | -12.31% | -30.27% | -3,170 bps | |
| Loan Growth (YoY) | -1.94% | 2.53% | 25.36% | 18.13% | 18.53% | 8.26% | -9.73% | -18.34% | -3,647 bps | |
| Share Growth (YoY) | -2.96% | -2.84% | -2.04% | 5.29% | -9.42% | -13.59% | -13.42% | -18.11% | -2,339 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.11% | 12.36% | 4.37% | 4.13% | 4.19% | 3.96% | 3.58% | 3.22% | -91 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 | 2.23% | 2.01% | 2.08% | 2.08% | 2.25% | 2.05% | 4.02% | 29.83% | +2,775 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.64% | 28.67% | 28.22% | 27.28% | 29.76% | 30.27% | 29.29% | 15.01% | -1,227 bps | |
| Net Worth / Assets | 29.64% | 28.67% | 28.22% | 27.28% | 29.76% | 30.27% | 29.29% | 15.01% | -1,227 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.22% | 71.46% | 83.83% | 80.41% | 85.34% | 89.53% | 87.41% | 80.18% | -23 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |