Chattanooga, TN · Charter 68080
Q3 2015
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.04% | -1.95% | -1.16% | -1.23% | -0.89% | -0.63% | -0.98% | -1.67% | -44 bps | |
| Return on Equity | -9.22% | -18.23% | -10.98% | -12.00% | -8.26% | -6.30% | -10.12% | -17.59% | -559 bps | |
| Net Interest Margin | 3.35% | 3.26% | 3.07% | 3.15% | 3.30% | 3.05% | 3.16% | 3.46% | +32 bps | |
| Efficiency Ratio | 116.72% | 116.65% | 112.36% | 103.09% | 100.81% | 101.19% | 114.88% | 103.81% | +72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.93% | -3.72% | -2.92% | -3.61% | -3.15% | 1.55% | 1.51% | -3.91% | -30 bps | |
| Loan Growth (YoY) | -17.49% | -14.10% | -6.70% | 16.92% | 28.25% | 23.29% | 27.61% | 2.82% | -1,410 bps | |
| Share Growth (YoY) | 6.97% | -2.80% | -1.73% | -2.71% | -2.70% | 2.39% | 2.60% | -3.20% | -49 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.38% | 1.97% | 2.01% | 1.16% | 1.70% | 1.40% | 2.59% | 3.02% | +186 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 | 0.29% | 0.81% | 0.15% | 0.88% | 0.87% | 1.09% | 0.78% | 1.38% | +49 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.24% | 10.70% | 10.59% | 10.27% | 10.72% | 10.03% | 9.69% | 9.52% | -75 bps | |
| Net Worth / Assets | 11.24% | 10.70% | 10.59% | 10.27% | 10.72% | 10.03% | 9.69% | 9.52% | -75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.13% | 65.11% | 67.99% | 78.90% | 84.53% | 78.40% | 84.57% | 83.81% | +491 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |