Chattanooga, TN · Charter 68086
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Chattanooga, TN · Charter 68086
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.60% | -1.35% | -1.50% | -14.87% | -9.85% | -6.70% | -6.35% | -1.13% | +1,374 bps | |
| Return on Equity | -4.56% | -10.52% | -10.84% | -139.51% | -103.66% | -67.42% | -71.06% | -12.45% | +12,706 bps | |
| Net Interest Margin | 3.73% | 3.69% | 4.00% | 4.40% | 4.80% | 4.85% | 4.61% | 3.16% | -124 bps | |
| Efficiency Ratio | 94.80% | 96.23% | 99.32% | 174.85% | 80.76% | 83.98% | 89.59% | 135.72% | -3,912 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.65% | 1.83% | -4.36% | -14.33% | -15.08% | -16.45% | -9.64% | -10.40% | +393 bps | |
| Loan Growth (YoY) | -9.11% | -3.07% | 1.23% | -12.76% | -17.47% | -21.17% | -29.82% | -33.89% | -2,113 bps | |
| Share Growth (YoY) | 7.01% | 7.90% | -3.87% | -10.93% | -10.72% | -13.76% | -4.37% | -8.62% | +231 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.89% | 8.18% | 19.05% | 12.71% | 8.89% | 8.89% | 16.96% | 13.40% | +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 | 1.21% | 2.60% | 2.41% | 2.91% | 3.10% | 3.38% | 3.19% | 3.96% | +105 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.27% | 12.84% | 13.82% | 10.66% | 9.50% | 9.94% | 8.94% | 9.10% | -156 bps | |
| Net Worth / Assets | 13.27% | 12.84% | 13.82% | 10.66% | 9.50% | 9.94% | 8.94% | 9.10% | -156 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.67% | 60.39% | 67.76% | 62.94% | 56.08% | 55.20% | 49.72% | 45.53% | -1,740 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |