Kingsport, TN · Charter 68132
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Kingsport, TN · Charter 68132
Q1 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.47% | 0.35% | 0.70% | 0.28% | 0.68% | +115 bps | |
| Return on Equity | -3.25% | 2.61% | 5.29% | 2.08% | 5.52% | +876 bps | |
| Net Interest Margin | 2.91% | 2.86% | 2.72% | 2.72% | 2.59% | -31 bps | |
| Efficiency Ratio | 83.30% | 85.98% | 77.58% | 86.33% | 76.95% | -635 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.82% | 5.80% | 3.16% | 0.22% | -2.36% | -918 bps | |
| Loan Growth (YoY) | -0.89% | 1.98% | 1.09% | -2.85% | -19.38% | -1,849 bps | |
| Share Growth (YoY) | 10.63% | 7.74% | 2.45% | -0.52% | 0.18% | -1,045 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.10% | +10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.08% | 1.07% | 1.07% | 1.16% | 1.35% | +27 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.54% | 13.21% | 13.26% | 13.38% | 12.35% | -218 bps | |
| Net Worth / Assets | 14.54% | 13.21% | 13.26% | 13.38% | 12.35% | -218 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.96% | 56.91% | 56.62% | 52.54% | 45.04% | -1,092 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |