Chattanooga, TN · Charter 24502
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 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 24502
Q4 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.20% | 1.19% | 1.09% | 1.37% | 1.48% | 1.51% | 0.63% | -46 bps | |
| Return on Equity | 8.68% | 8.31% | 8.06% | 7.30% | 8.85% | 8.79% | 9.24% | 3.95% | -334 bps | |
| Net Interest Margin | 3.02% | 3.34% | 3.34% | 3.34% | 3.58% | 3.94% | 3.76% | 3.72% | +37 bps | |
| Efficiency Ratio | 62.16% | 64.14% | 64.81% | 66.51% | 59.43% | 60.53% | 58.73% | 82.10% | +1,559 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.35% | -6.81% | -4.84% | -3.64% | -6.98% | -7.40% | -1.80% | -2.49% | +115 bps | |
| Loan Growth (YoY) | 5.93% | 8.01% | 24.46% | 17.95% | 5.17% | -1.22% | -12.75% | -15.52% | -3,347 bps | |
| Share Growth (YoY) | -2.80% | -7.09% | -4.92% | -5.51% | -9.39% | -10.12% | -3.77% | -3.86% | +165 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.88% | 1.70% | 1.40% | 1.20% | 0.90% | 0.75% | 0.60% | 1.34% | +15 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 | 0.71% | 1.84% | 1.38% | 1.85% | 2.12% | 2.62% | 3.18% | 3.40% | +155 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.30% | 14.41% | 14.72% | 14.97% | 15.43% | 16.80% | 16.32% | 15.98% | +101 bps | |
| Net Worth / Assets | 13.30% | 14.41% | 14.72% | 14.97% | 15.43% | 16.80% | 16.32% | 15.98% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.76% | 66.21% | 68.99% | 71.07% | 72.85% | 72.76% | 62.55% | 62.46% | -861 bps | |
| Liquid Assets / Assets | 43.75% | 42.40% | 40.11% | 38.89% | 37.88% | 0.00% | 0.00% | 0.00% | -3,889 bps | |