Kingsport, TN · Charter 68132
Q1 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.96% | -2.53% | -0.95% | -0.47% | 0.35% | 0.70% | 0.28% | 0.68% | +115 bps | |
| Return on Equity | -6.10% | -17.42% | -6.65% | -3.25% | 2.61% | 5.29% | 2.08% | 5.52% | +876 bps | |
| Net Interest Margin | 3.36% | 3.18% | 3.03% | 2.91% | 2.86% | 2.72% | 2.72% | 2.59% | -31 bps | |
| Efficiency Ratio | 122.58% | 82.69% | 83.28% | 83.30% | 85.98% | 77.58% | 86.33% | 76.95% | -635 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.74% | -0.11% | 0.91% | 6.82% | 5.80% | 3.16% | 0.22% | -2.36% | -918 bps | |
| Loan Growth (YoY) | -13.24% | -10.73% | -10.54% | -0.89% | 1.98% | 1.09% | -2.85% | -19.38% | -1,849 bps | |
| Share Growth (YoY) | -3.04% | 2.00% | 2.97% | 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% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.09% | 1.07% | 1.12% | 1.08% | 1.07% | 1.07% | 1.16% | 1.35% | +27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.70% | 14.53% | 14.35% | 14.54% | 13.21% | 13.26% | 13.38% | 12.35% | -218 bps | |
| Net Worth / Assets | 15.70% | 14.53% | 14.35% | 14.54% | 13.21% | 13.26% | 13.38% | 12.35% | -218 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.12% | 57.39% | 53.80% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |