Memphis, TN · Charter 24620
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Memphis, TN · Charter 24620
Q4 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.08% | -3.30% | -14.22% | -22.00% | 0.85% | 0.95% | 0.36% | -0.33% | +2,167 bps | |
| Return on Equity | -92.93% | -63.43% | -74.39% | -175.36% | 10.48% | 14.15% | 5.08% | -5.07% | +17,029 bps | |
| Net Interest Margin | 7.35% | 7.04% | 7.13% | 6.95% | 5.48% | 4.94% | 4.93% | 4.79% | -217 bps | |
| Efficiency Ratio | 150.29% | 82.57% | 91.11% | 99.81% | 93.86% | 92.96% | 97.23% | 102.71% | +291 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -37.54% | -18.00% | 26.40% | 23.29% | 19.93% | -13.80% | -7.75% | 7.24% | -1,605 bps | |
| Loan Growth (YoY) | 39.61% | 22.01% | -13.18% | -31.04% | -36.12% | -65.69% | -63.52% | -64.13% | -3,309 bps | |
| Share Growth (YoY) | -36.35% | -36.53% | 6.86% | 13.63% | 17.00% | 7.56% | 7.40% | 16.43% | +280 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 48.24% | 34.40% | 19.21% | 0.00% | 0.00% | 0.00% | 0.00% | 13.07% | +1,307 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 | 10.44% | 8.63% | 12.31% | 15.76% | 33.03% | 49.09% | 63.28% | 88.90% | +7,314 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.62% | 5.20% | 19.12% | 12.54% | 8.08% | 6.72% | 7.02% | 6.41% | -613 bps | |
| Net Worth / Assets | 7.62% | 5.20% | 19.12% | 12.54% | 8.08% | 6.72% | 7.02% | 6.41% | -613 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.59% | 68.15% | 56.12% | 45.20% | 29.81% | 21.74% | 19.06% | 13.93% | -3,128 bps | |
| Liquid Assets / Assets | 40.50% | 46.95% | 51.72% | 58.17% | 74.70% | 83.26% | 87.35% | 93.37% | +3,520 bps | |