La Vergne, TN · Charter 21464
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 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.
La Vergne, TN · Charter 21464
Q1 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | 0.38% | -2.23% | -0.89% | 0.81% | 1.00% | -5.42% | -3.02% | -213 bps | |
| Return on Equity | -0.40% | 3.95% | -28.60% | -12.94% | 10.68% | 12.62% | -221% | -138.35% | -12,542 bps | |
| Net Interest Margin | 5.18% | 5.24% | 5.84% | 5.69% | 5.37% | 5.31% | 5.01% | 3.15% | -255 bps | |
| Efficiency Ratio | 82.84% | 83.23% | 87.27% | 97.84% | 83.56% | 81.12% | 97.73% | 102.44% | +460 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.23% | 7.06% | 1.23% | -4.24% | -2.85% | -2.50% | -5.10% | -10.46% | -622 bps | |
| Loan Growth (YoY) | 0.44% | -1.70% | -3.54% | -9.38% | -15.38% | -17.56% | -22.77% | -24.71% | -1,533 bps | |
| Share Growth (YoY) | 7.14% | 6.77% | 4.04% | -1.62% | -0.95% | -0.88% | -4.23% | -8.61% | -699 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.11% | 7.32% | 7.79% | 4.59% | 8.11% | 6.99% | 5.16% | 2.13% | -246 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 | 0.58% | 0.73% | 2.34% | 2.06% | 2.11% | 2.06% | 5.40% | 7.39% | +533 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.36% | 9.64% | 7.80% | 6.86% | 7.60% | 7.90% | 2.45% | 2.18% | -468 bps | |
| Net Worth / Assets | 9.36% | 9.64% | 7.80% | 6.86% | 7.60% | 7.90% | 2.45% | 2.18% | -468 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.77% | 78.79% | 78.94% | 70.62% | 66.44% | 65.54% | 63.66% | 58.17% | -1,244 bps | |
| Liquid Assets / Assets | 20.79% | 20.84% | 18.25% | 113.80% | 99.38% | 0.00% | 0.00% | 0.00% | -11,380 bps | |