Cleveland, TN · Charter 61687
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 | -1.37% | -1.37% | -1.14% | -1.32% | -1.56% | -3.47% | -4.63% | -8.40% | -708 bps | |
| Return on Equity | -5.28% | -5.51% | -4.69% | -5.70% | -6.94% | -15.35% | -22.27% | -47.13% | -4,143 bps | |
| Net Interest Margin | 3.12% | 2.87% | 2.54% | 2.49% | 2.45% | 2.34% | 2.18% | 2.18% | -31 bps | |
| Efficiency Ratio | 135.46% | 139.17% | 135.24% | 141.10% | 147.80% | 170.59% | 277% | 274% | +13,280 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.53% | -0.32% | 1.24% | 3.18% | 5.68% | 0.73% | -1.73% | -6.56% | -974 bps | |
| Loan Growth (YoY) | -6.45% | -19.62% | -20.05% | -20.11% | -22.73% | -22.05% | -43.87% | -44.64% | -2,453 bps | |
| Share Growth (YoY) | 4.52% | 2.88% | 4.67% | 7.36% | 11.08% | 4.18% | 2.62% | 0.81% | -655 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.61% | 1.36% | 0.00% | 0.04% | 0.00% | 0.00% | 0.75% | +75 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 | 1.21% | 1.31% | 1.32% | 1.32% | 1.44% | 3.33% | 12.54% | 22.06% | +2,074 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.88% | 24.94% | 24.30% | 23.13% | 22.44% | 22.60% | 20.81% | 17.83% | -530 bps | |
| Net Worth / Assets | 25.88% | 24.94% | 24.30% | 23.13% | 22.44% | 22.60% | 20.81% | 17.83% | -530 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.84% | 37.90% | 34.64% | 31.73% | 29.10% | 28.36% | 18.95% | 17.42% | -1,431 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |