Lavergne, TN · Charter 68151
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Lavergne, TN · Charter 68151
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.33% | 1.28% | 1.10% | 1.07% | 0.67% | -67 bps | |
| Return on Equity | 10.52% | 9.66% | 7.17% | 6.73% | 4.29% | -623 bps | |
| Net Interest Margin | 3.42% | 3.55% | 3.46% | 3.89% | 3.62% | +20 bps | |
| Efficiency Ratio | 60.08% | 57.82% | 55.71% | 60.33% | 70.90% | +1,081 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.08% | -0.97% | -0.87% | -7.11% | -8.53% | -861 bps | |
| Loan Growth (YoY) | -13.69% | -6.43% | 0.21% | -5.62% | 2.46% | +1,614 bps | |
| Share Growth (YoY) | -0.90% | -2.27% | -2.39% | -9.28% | -10.90% | -1,000 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.23% | 0.68% | 0.61% | 0.72% | +48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.78% | 0.59% | 0.91% | 0.61% | 0.63% | -16 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.67% | 13.23% | 15.38% | 15.85% | 15.54% | +287 bps | |
| Net Worth / Assets | 12.67% | 13.23% | 15.38% | 15.85% | 15.54% | +287 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.96% | 43.37% | 48.11% | 46.65% | 47.10% | +614 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |