Knoxville, TN · Charter 68092
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Knoxville, TN · Charter 68092
Q3 2014
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.58% | 0.91% | 1.94% | 0.87% | -2751% | 0.88% | 0.44% | 0.00% | -87 bps | |
| Return on Equity | 4.50% | 2.60% | 5.36% | 2.38% | -3393% | 1.01% | 0.51% | n/a | n/a | |
| Net Interest Margin | 2.67% | 1.89% | 1.77% | 2.00% | -2589% | 0.00% | 0.00% | 0.00% | -200 bps | |
| Efficiency Ratio | 40.20% | 51.80% | 35.62% | 56.33% | n/a | 0.00% | 0.00% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.69% | 4.28% | 1.36% | -2.62% | -98.77% | -98.85% | -98.83% | -100.00% | -9,738 bps | |
| Loan Growth (YoY) | -8.20% | -6.09% | -16.01% | -22.80% | -100.00% | -100.00% | -100.00% | -100.00% | -7,720 bps | |
| Share Growth (YoY) | 9.39% | 5.03% | 0.20% | -4.74% | -100.00% | -100.00% | -100.00% | -100.00% | -9,526 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.45% | 1.46% | 3.38% | 3.90% | n/a | n/a | n/a | n/a | n/a | |
| 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 | 2.27% | 2.31% | 2.60% | 2.81% | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 35.16% | 35.06% | 36.27% | 36.70% | 81.07% | 87.17% | 86.31% | 0.00% | -3,670 bps | |
| Net Worth / Assets | 35.16% | 35.06% | 36.27% | 36.70% | 81.07% | 87.17% | 86.31% | 0.00% | -3,670 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 10.93% | 10.69% | 9.82% | 9.30% | n/a | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |