Memphis, TN · Charter 68065
Q4 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.30% | 0.20% | -0.07% | -4.28% | -6.41% | -2.98% | -2.41% | -7.43% | -315 bps | |
| Return on Equity | 18.28% | 1.66% | -0.58% | -47.99% | -93.72% | -42.26% | -36.17% | -506% | -45,830 bps | |
| Net Interest Margin | 5.74% | 5.91% | 5.82% | 5.79% | 4.42% | 4.76% | 4.46% | 4.47% | -132 bps | |
| Efficiency Ratio | 72.92% | 82.08% | 90.80% | 91.44% | 276% | 151.01% | 139.42% | 214% | +12,271 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.39% | -10.33% | -6.76% | -6.63% | -1.20% | -1.41% | -2.32% | -2.76% | +387 bps | |
| Loan Growth (YoY) | -0.51% | -5.24% | -9.08% | -17.54% | -30.27% | -33.03% | -34.75% | -31.65% | -1,411 bps | |
| Share Growth (YoY) | -13.46% | -10.27% | -7.48% | -3.05% | 4.91% | 3.66% | 3.00% | 1.08% | +414 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.57% | 2.02% | 0.89% | 1.88% | 2.71% | 1.10% | 1.52% | 2.28% | +40 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 | 1.83% | 2.23% | 1.81% | 5.67% | 6.21% | 5.75% | 5.62% | 5.41% | -26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.58% | 11.81% | 11.59% | 8.93% | 6.84% | 7.05% | 6.67% | 1.47% | -746 bps | |
| Net Worth / Assets | 12.58% | 11.81% | 11.59% | 8.93% | 6.84% | 7.05% | 6.67% | 1.47% | -746 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.74% | 87.00% | 80.77% | 73.98% | 60.31% | 56.21% | 51.16% | 50.02% | -2,396 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 99.22% | 0.00% | 0.00% | 0.00% | 0 bps | |