Memphis, TN · Charter 989
Q1 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.94% | -0.95% | -0.83% | -0.25% | -0.33% | -0.54% | -0.49% | -10.86% | -1,062 bps | |
| Return on Equity | -5.45% | -5.37% | -4.69% | -1.40% | -1.88% | -3.08% | -2.80% | -72.71% | -7,131 bps | |
| Net Interest Margin | 2.44% | 2.51% | 2.54% | 2.49% | 2.52% | 2.50% | 2.47% | -8.78% | -1,127 bps | |
| Efficiency Ratio | 135.15% | 133.06% | 127.17% | 106.90% | 109.51% | 117.02% | 115.70% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.18% | -2.52% | -3.55% | -3.98% | -5.29% | -2.31% | -1.69% | -2.56% | +142 bps | |
| Loan Growth (YoY) | 22.33% | 24.88% | 43.91% | 16.42% | 4.79% | 1.44% | -7.63% | -8.59% | -2,501 bps | |
| Share Growth (YoY) | -0.17% | -1.39% | -3.02% | -2.52% | -3.32% | -2.37% | -1.47% | 0.91% | +343 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.63% | 0.85% | 1.12% | 0.72% | 0.76% | 0.79% | 0.76% | -36 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 | 0.50% | 0.55% | 0.49% | 0.50% | 0.55% | 0.55% | 0.49% | 0.32% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.28% | 17.62% | 17.66% | 17.62% | 17.74% | 17.52% | 17.47% | 14.94% | -268 bps | |
| Net Worth / Assets | 17.28% | 17.62% | 17.66% | 17.62% | 17.74% | 17.52% | 17.47% | 14.94% | -268 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.07% | 37.35% | 40.53% | 39.44% | 40.18% | 38.81% | 38.00% | 35.72% | -371 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |