Shelbyville, TN · Charter 68067
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 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.
Shelbyville, TN · Charter 68067
Q2 2011
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | -0.08% | 0.01% | -0.24% | -0.32% | -66 bps | |
| Return on Equity | 0.92% | -0.22% | 0.02% | -0.63% | -0.80% | -172 bps | |
| Net Interest Margin | 2.91% | 2.69% | 2.94% | 2.48% | 2.39% | -52 bps | |
| Efficiency Ratio | 82.74% | 100.84% | 91.98% | 107.34% | 110.58% | +2,784 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.34% | -5.23% | -8.69% | -3.97% | -6.46% | -212 bps | |
| Loan Growth (YoY) | -11.93% | -14.29% | -3.46% | -14.25% | -13.23% | -130 bps | |
| Share Growth (YoY) | -7.22% | -9.16% | -13.91% | -6.30% | -10.23% | -301 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.47% | 0.00% | 1.96% | 1.26% | 2.12% | +166 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.29% | 1.45% | 1.43% | 1.71% | 1.75% | +46 bps | |
| Capital | |||||||
| Risk-Based Capital | 37.18% | 37.57% | 39.51% | 38.74% | 39.65% | +248 bps | |
| Net Worth / Assets | 37.18% | 37.57% | 39.51% | 38.74% | 39.65% | +248 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.63% | 57.29% | 66.84% | 57.09% | 59.57% | -206 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |