Chattanooga, TN · Charter 68106
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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 68106
Q2 2012
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | 0.24% | 0.23% | 0.01% | -0.20% | -41 bps | |
| Return on Equity | 0.78% | 0.90% | 0.83% | 0.02% | -0.67% | -145 bps | |
| Net Interest Margin | 3.46% | 3.50% | 3.61% | 3.56% | 3.97% | +51 bps | |
| Efficiency Ratio | 87.26% | 85.77% | 87.41% | 97.20% | 103.71% | +1,645 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.32% | -2.77% | -7.62% | -2.96% | -10.46% | -514 bps | |
| Loan Growth (YoY) | -6.11% | -2.41% | -4.01% | -8.56% | -18.39% | -1,229 bps | |
| Share Growth (YoY) | -7.69% | -4.18% | -10.46% | -4.27% | -14.20% | -651 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.06% | 1.01% | 1.12% | 1.05% | 1.16% | +110 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.60% | 0.78% | 0.55% | 0.66% | 0.42% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.93% | 26.54% | 28.10% | 27.60% | 30.11% | +318 bps | |
| Net Worth / Assets | 26.93% | 26.54% | 28.10% | 27.60% | 30.11% | +318 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.87% | 66.65% | 69.22% | 62.19% | 65.51% | -337 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |