Chattanooga, TN · Charter 12749
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Chattanooga, TN · Charter 12749
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.35% | 0.55% | 0.29% | 0.25% | 0.45% | 0.26% | 0.34% | +5 bps | |
| Return on Equity | 2.22% | 1.58% | 2.65% | 1.32% | 1.17% | 1.87% | 1.05% | 1.38% | +5 bps | |
| Net Interest Margin | 2.97% | 3.19% | 3.23% | 3.15% | 3.22% | 3.39% | 3.60% | 1.82% | -132 bps | |
| Efficiency Ratio | 85.02% | 91.46% | 83.11% | 90.85% | 92.34% | 90.22% | 92.95% | 81.66% | -919 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.26% | -12.15% | -11.83% | -8.66% | -9.57% | -7.06% | -8.07% | -8.56% | +10 bps | |
| Loan Growth (YoY) | -9.85% | -10.25% | -11.60% | -10.45% | -13.19% | -7.37% | -6.07% | -3.79% | +666 bps | |
| Share Growth (YoY) | -9.56% | -15.51% | -14.96% | -11.12% | -12.29% | -9.77% | -11.06% | -11.81% | -69 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 0.73% | 0.48% | 0.43% | 0.14% | 0.41% | 0.16% | 1.27% | +84 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 | 2.99% | 3.27% | 3.52% | 3.63% | 3.63% | 3.23% | 3.38% | 3.40% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.34% | 21.87% | 20.88% | 22.17% | 21.40% | 23.98% | 24.43% | 24.77% | +261 bps | |
| Net Worth / Assets | 20.34% | 21.87% | 20.88% | 22.17% | 21.40% | 23.98% | 24.43% | 24.77% | +261 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.70% | 39.35% | 36.97% | 36.17% | 37.31% | 40.40% | 39.04% | 39.46% | +329 bps | |
| Liquid Assets / Assets | 68.21% | 67.43% | 69.52% | 70.31% | 69.71% | 67.76% | 69.03% | 0.00% | -7,031 bps | |