Columbia, TN · Charter 67777
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Columbia, TN · Charter 67777
Q3 2012
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.69% | -0.43% | -0.65% | -0.41% | -0.23% | 0.42% | 2.35% | 2.10% | +251 bps | |
| Return on Equity | -6.52% | -4.92% | -8.41% | -4.98% | -2.81% | 5.22% | 24.52% | 20.39% | +2,537 bps | |
| Net Interest Margin | 3.40% | 3.23% | 3.37% | 3.89% | 3.65% | 3.10% | 3.30% | 3.40% | -49 bps | |
| Efficiency Ratio | 89.33% | 86.23% | 84.78% | 79.85% | 79.28% | 88.64% | 83.71% | 80.26% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.31% | 1.48% | -12.47% | -20.14% | -15.60% | -14.62% | -6.32% | -4.68% | +1,546 bps | |
| Loan Growth (YoY) | -11.24% | -13.08% | -12.41% | -10.73% | -10.22% | -14.21% | -9.81% | -8.23% | +250 bps | |
| Share Growth (YoY) | 3.22% | 5.89% | -9.10% | -17.96% | -13.03% | -14.14% | -8.12% | -6.85% | +1,111 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.27% | 1.36% | 3.38% | 2.24% | 2.51% | 1.03% | 2.62% | 5.08% | +284 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 | 2.31% | 2.35% | 5.45% | 5.63% | 5.24% | 5.20% | 5.20% | 4.92% | -70 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.66% | 8.70% | 7.79% | 8.22% | 8.02% | 8.07% | 9.60% | 10.28% | +205 bps | |
| Net Worth / Assets | 10.66% | 8.70% | 7.79% | 8.22% | 8.02% | 8.07% | 9.60% | 10.28% | +205 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.41% | 50.21% | 55.90% | 57.66% | 53.07% | 50.17% | 54.87% | 56.81% | -85 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |