Oak Ridge, TN · Charter 5979
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 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.
Oak Ridge, TN · Charter 5979
Q1 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.07% | -3.44% | -3.19% | -2.56% | -7.20% | -212 bps | |
| Return on Equity | -80.12% | -84.95% | -93.57% | -49.01% | -191.64% | -11,152 bps | |
| Net Interest Margin | 4.08% | 4.08% | 4.14% | 3.92% | 3.84% | -24 bps | |
| Efficiency Ratio | 73.11% | 78.63% | 84.86% | 86.93% | 83.68% | +1,058 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.54% | -15.25% | -12.19% | -6.71% | -12.48% | -1,094 bps | |
| Loan Growth (YoY) | -7.84% | -7.77% | -13.21% | -19.17% | -20.89% | -1,304 bps | |
| Share Growth (YoY) | -0.33% | -12.44% | -8.40% | -4.37% | -10.10% | -976 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.74% | 4.41% | 9.10% | 4.78% | 7.90% | +416 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.49% | 5.72% | 6.47% | 4.24% | 3.88% | +239 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.33% | 4.05% | 3.41% | 5.23% | 3.76% | -258 bps | |
| Net Worth / Assets | 6.33% | 4.05% | 3.41% | 5.23% | 3.76% | -258 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.39% | 82.14% | 77.15% | 69.93% | 68.11% | -929 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |