Collegedale, TN · Charter 67917
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 | -0.59% | -0.31% | -0.32% | -0.47% | -0.49% | -0.58% | -0.56% | -0.71% | -24 bps | |
| Return on Equity | -3.10% | -1.78% | -1.80% | -2.86% | -2.87% | -3.50% | -3.47% | -4.77% | -191 bps | |
| Net Interest Margin | 2.59% | 2.27% | 2.25% | 2.11% | 2.20% | 1.97% | 1.93% | 1.80% | -31 bps | |
| Efficiency Ratio | 113.69% | 108.53% | 106.74% | 112.24% | 112.27% | 117.31% | 117.30% | 121.51% | +927 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.73% | 5.86% | 0.19% | 5.78% | 7.00% | 3.56% | 5.10% | 6.35% | +57 bps | |
| Loan Growth (YoY) | -2.88% | -3.93% | -6.64% | -9.46% | -5.32% | -3.00% | -2.49% | 2.51% | +1,197 bps | |
| Share Growth (YoY) | 0.08% | 7.78% | 0.90% | 7.52% | 9.33% | 5.06% | 7.12% | 8.68% | +115 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.52% | 0.66% | 0.39% | 0.50% | 0.18% | 0.26% | 0.45% | +6 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 | 0.61% | 0.64% | 0.48% | 0.50% | 0.47% | 0.55% | 0.43% | 0.66% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.96% | 17.62% | 17.58% | 16.46% | 17.23% | 16.47% | 16.13% | 14.84% | -162 bps | |
| Net Worth / Assets | 18.96% | 17.62% | 17.58% | 16.46% | 17.23% | 16.47% | 16.13% | 14.84% | -162 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.09% | 38.53% | 39.25% | 34.91% | 38.18% | 35.58% | 35.73% | 32.93% | -198 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |