Lexington, TN · Charter 68070
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 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.
Lexington, TN · Charter 68070
Q4 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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.81% | -5.78% | -4.90% | -5.27% | -4.76% | -4.40% | -3.78% | -3.70% | +157 bps | |
| Return on Equity | -15.93% | -15.52% | -12.89% | -14.75% | -14.00% | -13.41% | -12.38% | -11.13% | +361 bps | |
| Net Interest Margin | 7.26% | 7.77% | 7.30% | 7.62% | 5.75% | 5.72% | 5.91% | 7.10% | -53 bps | |
| Efficiency Ratio | 140.44% | 134.51% | 126.13% | 124.51% | 173.36% | 163.45% | 152.58% | 140.67% | +1,616 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -31.00% | -11.29% | -21.61% | -14.14% | -13.45% | -8.49% | 0.46% | -8.24% | +590 bps | |
| Loan Growth (YoY) | -12.34% | -0.64% | -6.73% | -16.53% | -35.53% | -31.70% | -11.21% | 29.83% | +4,637 bps | |
| Share Growth (YoY) | -36.47% | -11.53% | -26.09% | -12.59% | -9.77% | -1.76% | 14.59% | -5.05% | +754 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 17.36% | 17.90% | 10.79% | 8.39% | 2.31% | 13.40% | 11.01% | 7.80% | -59 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 | 7.98% | 8.96% | 10.72% | 13.47% | 21.72% | 19.45% | 15.24% | 13.15% | -32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 36.50% | 37.26% | 38.02% | 35.73% | 34.00% | 32.85% | 30.48% | 33.26% | -247 bps | |
| Net Worth / Assets | 36.50% | 37.26% | 38.02% | 35.73% | 34.00% | 32.85% | 30.48% | 33.26% | -247 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 109.73% | 125.76% | 126.36% | 97.83% | 78.40% | 87.43% | 97.91% | 133.77% | +3,594 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |