Cherokee, AL · Charter 60713
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.96% | 0.53% | 0.01% | 0.80% | -0.46% | -1.28% | -0.19% | -20 bps | |
| Return on Equity | 3.21% | 4.58% | 1.20% | 0.03% | 1.80% | -0.99% | -2.86% | -0.39% | -42 bps | |
| Net Interest Margin | 5.90% | 6.02% | 5.30% | 5.41% | 5.73% | 5.97% | 4.85% | 5.18% | -23 bps | |
| Efficiency Ratio | 77.15% | 67.22% | 89.95% | 99.71% | 85.56% | 83.72% | 79.99% | 80.19% | -1,952 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.14% | -1.87% | -5.07% | -3.09% | -3.90% | -8.37% | -2.72% | -11.03% | -794 bps | |
| Loan Growth (YoY) | -5.85% | -3.95% | -12.59% | -13.91% | -16.08% | -21.22% | -15.64% | -17.29% | -337 bps | |
| Share Growth (YoY) | -7.80% | -8.31% | -9.27% | -5.86% | -8.42% | -10.70% | -3.65% | -19.11% | -1,324 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 6.55% | 6.62% | 13.60% | 5.65% | 3.11% | 5.67% | 6.52% | -708 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 | 2.34% | 1.93% | 1.47% | 1.46% | 1.52% | 0.81% | 0.84% | 0.87% | -58 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 41.48% | 42.72% | 44.56% | 43.82% | 44.75% | 46.16% | 44.90% | 48.67% | +485 bps | |
| Net Worth / Assets | 41.48% | 42.72% | 44.56% | 43.82% | 44.75% | 46.16% | 44.90% | 48.67% | +485 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 141.57% | 148.57% | 138.82% | 132.31% | 129.72% | 131.08% | 121.54% | 135.29% | +297 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |