Spencer, TN · Cert 6092
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | -26.29% | -13.21% | 4.54% | 0.67% | -3.23% | 0.33% | 0.06% | -448 bps | |
| Return on Equity | 9.72% | -255% | -250% | 107.85% | 13.12% | -71.99% | 8.75% | 1.53% | -10,632 bps | |
| Net Interest Margin | 4.37% | 3.15% | 4.19% | 5.41% | 3.89% | 3.16% | 3.38% | 3.53% | -188 bps | |
| Efficiency Ratio | 62.65% | 125.25% | 66.85% | 42.33% | 86.23% | 91.54% | 91.53% | 98.47% | +5,613 bps | |
| Non-Interest Burden | 2.48% | 4.03% | 2.61% | 0.99% | 3.30% | 2.79% | 3.07% | 3.47% | +248 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.96% | 2.62% | -0.77% | -3.13% | -1.52% | 3.23% | 3.18% | 2.29% | +542 bps | |
| Loan Growth (YoY) | 6.10% | -4.21% | -5.82% | -6.45% | -8.72% | -2.80% | -4.55% | -6.86% | -41 bps | |
| Deposit Growth (YoY) | 6.70% | 10.35% | 10.17% | 6.11% | 8.22% | 7.30% | 3.09% | 2.94% | -317 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 | 0.37% | 42.00% | 22.69% | 0.82% | -0.40% | 1.64% | -0.03% | 0.23% | -59 bps | |
| Allowance / Loans | 1.29% | 3.31% | 3.33% | 3.28% | 3.41% | 4.29% | 4.38% | 4.42% | +114 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 | 22.05% | 12.66% | 6.98% | 9.02% | 9.34% | 8.27% | 8.40% | 8.63% | -38 bps | |
| Equity / Assets | 13.31% | 7.13% | 3.52% | 4.93% | 5.21% | 3.75% | 3.75% | 4.39% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.14% | 71.43% | 65.61% | 68.88% | 66.75% | 64.71% | 60.75% | 62.33% | -656 bps | |
| Liquid Assets / Assets | 1.56% | 1.66% | 1.11% | 1.11% | 0.56% | 3.06% | 0.00% | 3.18% | +208 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |