Union City, TN · Charter 67997
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Union City, TN · Charter 67997
Q3 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.55% | 0.52% | 0.30% | 0.86% | 0.16% | -0.60% | -1.11% | -141 bps | |
| Return on Equity | 3.11% | 3.12% | 2.84% | 1.61% | 4.41% | 0.93% | -3.30% | -6.10% | -771 bps | |
| Net Interest Margin | 5.98% | 5.33% | 5.58% | 5.31% | 5.63% | 5.60% | 5.72% | 5.40% | +9 bps | |
| Efficiency Ratio | 70.41% | 74.28% | 77.09% | 86.74% | 75.38% | 84.85% | 86.92% | 96.46% | +972 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.35% | 15.68% | 11.05% | 8.40% | 4.26% | -15.17% | -18.61% | -21.54% | -2,994 bps | |
| Loan Growth (YoY) | -10.44% | -17.46% | -14.33% | -13.16% | -9.25% | -20.59% | -30.55% | -35.17% | -2,201 bps | |
| Share Growth (YoY) | 3.35% | 18.96% | 11.50% | 8.98% | 3.65% | -14.72% | -17.46% | -21.15% | -3,014 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.75% | 2.85% | 4.00% | 3.40% | 3.32% | 5.21% | 3.40% | 4.17% | +77 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 | 3.27% | 3.55% | 3.54% | 3.62% | 3.46% | 11.96% | 13.59% | 13.82% | +1,021 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.40% | 17.49% | 18.42% | 18.54% | 19.49% | 16.85% | 18.07% | 18.26% | -28 bps | |
| Net Worth / Assets | 19.40% | 17.49% | 18.42% | 18.54% | 19.49% | 16.85% | 18.07% | 18.26% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.72% | 50.75% | 52.90% | 50.75% | 54.04% | 47.26% | 44.51% | 41.73% | -902 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |