Kingsport, TN · Charter 60692
Q3 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | -0.18% | 0.01% | 0.18% | 0.00% | -0.48% | -0.26% | -0.49% | -67 bps | |
| Return on Equity | 0.61% | -1.29% | 0.08% | 1.27% | -0.01% | -3.53% | -1.89% | -3.60% | -487 bps | |
| Net Interest Margin | 3.20% | 2.81% | 2.91% | 2.95% | 2.93% | 2.46% | 2.64% | 2.63% | -31 bps | |
| Efficiency Ratio | 95.10% | 104.75% | 99.71% | 93.73% | 98.66% | 113.87% | 106.46% | 112.97% | +1,924 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.93% | -1.24% | -1.78% | -2.05% | 0.36% | 0.97% | 0.76% | 0.87% | +292 bps | |
| Loan Growth (YoY) | -7.52% | -6.93% | -7.11% | -4.84% | -6.13% | -5.25% | -7.62% | -10.03% | -519 bps | |
| Share Growth (YoY) | -1.15% | -1.46% | -2.18% | -2.49% | 0.46% | 1.24% | 1.25% | 1.69% | +418 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.20% | 0.14% | 0.49% | 2.04% | 3.48% | 0.45% | 0.01% | -49 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 | 1.13% | 1.09% | 1.13% | 1.26% | 1.16% | 1.26% | 0.73% | 0.16% | -110 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.28% | 13.75% | 13.95% | 14.21% | 14.22% | 13.54% | 13.70% | 13.58% | -62 bps | |
| Net Worth / Assets | 14.28% | 13.75% | 13.95% | 14.21% | 14.22% | 13.54% | 13.70% | 13.58% | -62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.00% | 55.84% | 56.04% | 56.55% | 56.06% | 52.26% | 51.13% | 50.03% | -652 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |