Greeneville, TN · Cert 895
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 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.
Greeneville, TN · Cert 895
FDIC
Q2 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.16% | -5.38% | 0.56% | 0.54% | -1.42% | -3.10% | -1.67% | -1.73% | -228 bps | |
| Return on Equity | -51.64% | -39.92% | 4.65% | 4.47% | -11.82% | -26.76% | -17.86% | -18.63% | -2,310 bps | |
| Net Interest Margin | 3.02% | 3.04% | 3.44% | 3.46% | 3.54% | 3.49% | 3.25% | 3.39% | -7 bps | |
| Efficiency Ratio | 72.32% | 70.87% | 65.94% | 65.37% | 71.57% | 89.72% | 82.18% | 82.62% | +1,725 bps | |
| Non-Interest Burden | 8.97% | 7.21% | 1.97% | 1.94% | 2.27% | 3.11% | 2.55% | 2.68% | +74 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.23% | -11.01% | -8.07% | -3.83% | -13.56% | -8.11% | -6.87% | -9.30% | -547 bps | |
| Loan Growth (YoY) | -9.66% | -8.03% | -11.17% | -11.81% | -12.51% | -14.60% | -15.71% | -19.07% | -726 bps | |
| Deposit Growth (YoY) | -2.72% | -4.53% | -0.11% | -1.86% | -13.49% | -5.42% | -3.09% | -5.45% | -359 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.70% | 2.39% | 0.78% | 0.91% | 3.29% | 3.12% | 3.72% | 4.14% | +323 bps | |
| Allowance / Loans | 2.39% | 2.45% | 2.52% | 2.59% | 2.74% | 3.83% | 3.87% | 4.02% | +142 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.43% | 14.87% | 15.33% | 15.99% | 14.80% | 13.22% | 13.10% | 13.25% | -274 bps | |
| Equity / Assets | 11.05% | 11.81% | 12.21% | 12.48% | 11.68% | 9.55% | 9.19% | 9.18% | -330 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.25% | 97.42% | 97.37% | 96.18% | 95.31% | 87.97% | 84.68% | 82.32% | -1,386 bps | |
| Liquid Assets / Assets | 10.91% | 6.45% | 5.75% | 6.17% | 6.64% | 10.45% | 11.79% | 12.84% | +667 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |