PackageTrendsPeer
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Home Bank of Tennessee, The

Maryville, TN · Cert 34192

FDIC

Q3 2006

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2006, the quarter ended September 30, 2006, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Home Bank of Tennessee, The

Maryville, TN · Cert 34192

FDIC

Q3 2006

$125.8MAssets
$86.9MLoans
$84.7MDeposits
$26.9MEquity
Loan mix
61%RE $22.6M36%C&I $13.3M3%Consumer $1.3MQ3 2005Q3 2006
Deposit mix
86%Interest-bearing $72.9M14%Noninterest $11.9MQ3 2005Q3 2006

NIM

5.25%Q3 ’045.98%Q3 ’051.52%Q3 ’06+9%-78%

Non-interest income vs. expense

3.18%Q3 ’043.02%Q3 ’050.41%Q3 ’06+0%-87%

Executive Summary

  • Earnings: ROA of 0.41%, down 110 bps year over year; NIM at 0.93%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 102.61% of deposits as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

0.41%-110 bps YoY

Net Interest Margin (YTD, annualized)

0.93%-326 bps YoY

Efficiency Ratio (YTD, annualized)

40.23%-2,382 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets1.51%1.77%1.74%1.65%0.41%-110 bps
Return on Equity17.30%20.04%19.12%18.60%3.31%-1,399 bps
Net Interest Margin4.19%4.37%4.75%4.75%0.93%-326 bps
Efficiency Ratio64.05%60.42%62.18%51.41%40.23%-2,382 bps
Non-Interest Burden2.49%2.42%2.80%2.19%0.33%-216 bps
Growth
Asset Growth (YoY)4.51%3.42%8.34%3.16%14.32%+981 bps
Loan Growth (YoY)-4.72%-3.73%2.88%11.94%9.08%+1,379 bps
Deposit Growth (YoY)8.43%9.03%-0.82%-8.83%-8.67%-1,710 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.05%0.00%0.00%1.46%0.00%+5 bps
Allowance / Loans1.69%1.64%1.58%1.27%1.36%-34 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.37%11.60%12.37%11.83%11.54%-83 bps
Equity / Assets8.88%9.21%8.95%8.54%21.37%+1,249 bps
Liquidity & Funding
Loans / Deposits85.91%89.62%99.57%101.93%102.61%+1,670 bps
Liquid Assets / Assets0.02%0.02%0.02%0.02%0.01%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a