Dyersburg, TN · Charter 68078
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.
Dyersburg, TN · Charter 68078
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 | -0.12% | -1.37% | -1.02% | 0.46% | 0.37% | 0.66% | 1.18% | 0.77% | +31 bps | |
| Return on Equity | -1.56% | -19.42% | -12.68% | 5.48% | 4.43% | 7.29% | 12.27% | 8.29% | +281 bps | |
| Net Interest Margin | 4.93% | 5.32% | 6.05% | 6.53% | 6.24% | 5.45% | 5.32% | 5.10% | -143 bps | |
| Efficiency Ratio | 80.83% | 74.03% | 72.07% | 60.52% | 59.60% | 77.60% | 79.16% | 86.08% | +2,556 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.47% | 2.10% | -6.56% | -15.54% | -15.74% | -14.93% | -6.62% | -0.04% | +1,550 bps | |
| Loan Growth (YoY) | 7.84% | 1.87% | -4.06% | -10.29% | -20.48% | -31.35% | -30.86% | -26.09% | -1,579 bps | |
| Share Growth (YoY) | 4.25% | 2.91% | -6.28% | -16.31% | -15.16% | -16.50% | -8.27% | -1.50% | +1,481 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.03% | 4.15% | 4.28% | 2.20% | 3.68% | 1.68% | 2.81% | 1.51% | -69 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 | 2.45% | 4.41% | 4.92% | 5.61% | 8.15% | 10.51% | 10.14% | 9.56% | +395 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.67% | 7.08% | 8.05% | 8.46% | 8.43% | 9.04% | 9.62% | 9.32% | +87 bps | |
| Net Worth / Assets | 7.67% | 7.08% | 8.05% | 8.46% | 8.43% | 9.04% | 9.62% | 9.32% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.47% | 74.27% | 79.08% | 77.04% | 68.87% | 61.06% | 59.61% | 57.82% | -1,923 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |