Greeneville, TN · Cert 895
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.86% | 0.23% | 0.56% | 0.53% | -5.51% | -8.40% | -1.67% | -1.78% | -231 bps | |
| Return on Equity | -7.49% | 2.04% | 4.65% | 4.28% | -45.56% | -79.07% | -17.86% | -19.44% | -2,372 bps | |
| Net Interest Margin | 3.05% | 3.08% | 3.44% | 3.44% | 3.46% | 3.30% | 3.25% | 3.41% | -4 bps | |
| Efficiency Ratio | 69.14% | 66.54% | 65.94% | 64.81% | 83.94% | 151.85% | 82.18% | 83.06% | +1,824 bps | |
| Non-Interest Burden | 1.88% | 1.82% | 1.97% | 1.89% | 2.78% | 5.62% | 2.55% | 2.71% | +82 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 | 3.51% | 1.26% | 0.78% | 1.01% | 7.96% | 2.09% | 3.72% | 4.28% | +327 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 |