Maryville, TN · Cert 34192
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Maryville, TN · Cert 34192
FDIC
Q3 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 1.21% | 1.32% | 1.51% | 1.77% | 1.74% | 1.65% | 0.41% | -110 bps | |
| Return on Equity | 11.37% | 13.77% | 15.22% | 17.30% | 20.04% | 19.12% | 18.60% | 3.31% | -1,399 bps | |
| Net Interest Margin | 3.77% | 4.13% | 4.16% | 4.19% | 4.37% | 4.75% | 4.75% | 0.93% | -326 bps | |
| Efficiency Ratio | 68.43% | 68.29% | 66.36% | 64.05% | 60.42% | 62.18% | 51.41% | 40.23% | -2,382 bps | |
| Non-Interest Burden | 2.37% | 2.66% | 2.60% | 2.49% | 2.42% | 2.80% | 2.19% | 0.33% | -216 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.74% | 9.23% | 16.18% | 4.51% | 3.42% | 8.34% | 3.16% | 14.32% | +981 bps | |
| Loan Growth (YoY) | 19.66% | 12.31% | 3.35% | -4.72% | -3.73% | 2.88% | 11.94% | 9.08% | +1,379 bps | |
| Deposit Growth (YoY) | 13.75% | 17.16% | 23.35% | 8.43% | 9.03% | -0.82% | -8.83% | -8.67% | -1,710 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.04% | -0.18% | -0.10% | -0.05% | 0.00% | 0.00% | 1.46% | 0.00% | +5 bps | |
| Allowance / Loans | 1.49% | 1.60% | 1.69% | 1.69% | 1.64% | 1.58% | 1.27% | 1.36% | -34 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.29% | 11.58% | 12.06% | 12.37% | 11.60% | 12.37% | 11.83% | 11.54% | -83 bps | |
| Equity / Assets | 8.69% | 8.88% | 8.46% | 8.88% | 9.21% | 8.95% | 8.54% | 21.37% | +1,249 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.51% | 95.99% | 83.03% | 85.91% | 89.62% | 99.57% | 101.93% | 102.61% | +1,670 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.01% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |