Bristol, TN · Charter 19729
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Bristol, TN · Charter 19729
Q3 2007
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 1.31% | 1.08% | 0.87% | 0.76% | 1.14% | 0.98% | 0.24% | -63 bps | |
| Return on Equity | 7.78% | 11.01% | 8.59% | 6.40% | 5.50% | 8.06% | 6.82% | 1.64% | -476 bps | |
| Net Interest Margin | 3.12% | 2.95% | 3.03% | 3.08% | 3.10% | 3.34% | 3.21% | 3.28% | +21 bps | |
| Efficiency Ratio | 57.08% | 50.72% | 63.77% | 67.92% | 69.36% | 65.82% | 69.36% | 80.21% | +1,229 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.20% | -5.54% | -7.25% | -17.00% | -18.15% | -11.55% | -8.61% | -2.48% | +1,452 bps | |
| Loan Growth (YoY) | 10.56% | 11.70% | -0.91% | -2.84% | -5.33% | -4.72% | -8.06% | -14.13% | -1,128 bps | |
| Share Growth (YoY) | 6.83% | -7.65% | -9.45% | -20.02% | -21.22% | -13.99% | -10.69% | -3.46% | +1,656 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.93% | 3.33% | 3.25% | 3.16% | 2.87% | 2.70% | 2.42% | 1.29% | -187 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 | 0.97% | 0.85% | 0.81% | 0.73% | 0.80% | 0.76% | 0.55% | 0.57% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.66% | 11.91% | 12.58% | 13.57% | 13.79% | 14.19% | 14.44% | 14.54% | +98 bps | |
| Net Worth / Assets | 10.66% | 11.91% | 12.58% | 13.57% | 13.79% | 14.19% | 14.44% | 14.54% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.02% | 62.87% | 64.65% | 72.30% | 69.72% | 69.64% | 66.55% | 64.31% | -799 bps | |
| Liquid Assets / Assets | 30.55% | 31.56% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |