Chattanooga, TN · Charter 68106
Q2 2012
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.15% | 0.17% | 0.21% | 0.24% | 0.23% | 0.01% | -0.20% | -41 bps | |
| Return on Equity | 0.58% | 0.57% | 0.65% | 0.78% | 0.90% | 0.83% | 0.02% | -0.67% | -145 bps | |
| Net Interest Margin | 3.48% | 3.45% | 3.47% | 3.46% | 3.50% | 3.61% | 3.56% | 3.97% | +51 bps | |
| Efficiency Ratio | 83.94% | 84.83% | 87.84% | 87.26% | 85.77% | 87.41% | 97.20% | 103.71% | +1,645 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.54% | -4.78% | -6.83% | -5.32% | -2.77% | -7.62% | -2.96% | -10.46% | -514 bps | |
| Loan Growth (YoY) | -8.43% | -8.45% | -10.42% | -6.11% | -2.41% | -4.01% | -8.56% | -18.39% | -1,229 bps | |
| Share Growth (YoY) | -3.23% | -6.44% | -9.23% | -7.69% | -4.18% | -10.46% | -4.27% | -14.20% | -651 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.54% | 0.01% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.07% | 0.29% | 0.51% | 0.60% | 0.78% | 0.55% | 0.66% | 0.42% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.56% | 25.75% | 26.60% | 26.93% | 26.54% | 28.10% | 27.60% | 30.11% | +318 bps | |
| Net Worth / Assets | 25.56% | 25.75% | 26.60% | 26.93% | 26.54% | 28.10% | 27.60% | 30.11% | +318 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.44% | 64.58% | 65.11% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |