Memphis, TN · Charter 61932
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Memphis, TN · Charter 61932
Q3 2013
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | -9.61% | -10.69% | -9.82% | -12.90% | -0.59% | -46.27% | -33.94% | -2,412 bps | |
| Return on Equity | 1.22% | -38.08% | -45.28% | -38.27% | -55.18% | -2.30% | -480% | -388% | -34,975 bps | |
| Net Interest Margin | 3.59% | 4.19% | 4.00% | 4.07% | 4.46% | 4.76% | 5.61% | 5.48% | +141 bps | |
| Efficiency Ratio | 91.29% | 144.74% | 215% | 199.19% | 174.12% | 111.34% | 216% | 212% | +1,249 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.13% | -7.92% | -13.55% | -17.53% | -24.40% | -25.69% | -39.11% | -37.76% | -2,023 bps | |
| Loan Growth (YoY) | -1.27% | -7.34% | -11.79% | -21.84% | -23.17% | -25.99% | -29.90% | -29.07% | -723 bps | |
| Share Growth (YoY) | -0.45% | -8.17% | -11.91% | -17.81% | -21.70% | -25.37% | -29.92% | -25.74% | -793 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.73% | 7.07% | 4.80% | 3.46% | 5.78% | 8.31% | 2.11% | 1.29% | -217 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 | 1.50% | 4.59% | 4.66% | 4.34% | 11.04% | 12.20% | 36.63% | 41.19% | +3,685 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.65% | 25.23% | 23.61% | 25.67% | 23.38% | 25.48% | 9.64% | 8.75% | -1,692 bps | |
| Net Worth / Assets | 25.65% | 25.23% | 23.61% | 25.67% | 23.38% | 25.48% | 9.64% | 8.75% | -1,692 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.77% | 86.98% | 81.75% | 81.91% | 84.16% | 86.26% | 81.78% | 78.23% | -368 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |