Loudon, TN · Charter 19789
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Loudon, TN · Charter 19789
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 1.04% | 0.85% | 0.87% | 0.66% | 0.98% | 0.64% | -0.36% | -123 bps | |
| Return on Equity | 3.78% | 6.12% | 4.70% | 4.86% | 3.64% | 5.48% | 3.71% | -2.11% | -697 bps | |
| Net Interest Margin | 3.02% | 3.28% | 3.56% | 3.41% | 3.31% | 3.16% | 2.84% | 2.90% | -51 bps | |
| Efficiency Ratio | 77.75% | 72.61% | 72.97% | 73.44% | 76.23% | 72.53% | 76.55% | 108.37% | +3,492 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.86% | -0.25% | -6.38% | -3.58% | -3.04% | -1.54% | 7.63% | 4.81% | +840 bps | |
| Loan Growth (YoY) | -4.11% | -6.35% | -11.78% | -11.54% | -10.60% | -10.50% | -11.07% | -10.77% | +77 bps | |
| Share Growth (YoY) | -1.84% | -1.29% | -8.60% | -5.29% | -4.35% | -2.33% | 9.11% | 6.14% | +1,143 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 1.93% | 2.22% | 2.52% | 2.18% | 1.87% | 3.48% | 1.68% | -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 | 0.87% | 0.91% | 1.18% | 1.16% | 1.44% | 1.50% | 1.16% | 0.14% | -102 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.83% | 17.03% | 18.11% | 17.98% | 18.02% | 17.92% | 17.37% | 16.89% | -109 bps | |
| Net Worth / Assets | 16.83% | 17.03% | 18.11% | 17.98% | 18.02% | 17.92% | 17.37% | 16.89% | -109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.62% | 62.69% | 64.80% | 61.63% | 60.40% | 57.45% | 52.81% | 51.80% | -982 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |