Chattanooga, TN · Charter 63797
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 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.
Chattanooga, TN · Charter 63797
Q3 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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.89% | 0.76% | 0.61% | 0.54% | 0.87% | 0.69% | 0.69% | +8 bps | |
| Return on Equity | 3.75% | 7.89% | 6.54% | 5.71% | 4.83% | 7.76% | 6.28% | 6.17% | +46 bps | |
| Net Interest Margin | 2.84% | 2.96% | 2.92% | 2.60% | 2.70% | 3.10% | 2.73% | 2.69% | +9 bps | |
| Efficiency Ratio | 76.18% | 70.66% | 74.62% | 77.04% | 80.35% | 72.43% | 75.17% | 74.67% | -237 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.34% | -6.83% | -9.91% | 7.89% | 3.95% | 5.52% | 10.23% | 0.59% | -729 bps | |
| Loan Growth (YoY) | -3.83% | -1.90% | 0.20% | -2.83% | -4.74% | -8.43% | -10.53% | -7.67% | -484 bps | |
| Share Growth (YoY) | -9.67% | -7.94% | -11.31% | 8.74% | 3.72% | 5.42% | 10.78% | -0.06% | -881 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.33% | 0.19% | 1.70% | 1.41% | 0.88% | 0.76% | 2.12% | 2.69% | +128 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 | 2.42% | 2.72% | 2.73% | 2.86% | 2.67% | 2.92% | 3.00% | 2.50% | -36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.12% | 11.21% | 11.55% | 10.70% | 11.24% | 11.16% | 10.99% | 11.22% | +52 bps | |
| Net Worth / Assets | 11.12% | 11.21% | 11.55% | 10.70% | 11.24% | 11.16% | 10.99% | 11.22% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.22% | 45.17% | 46.07% | 41.69% | 47.05% | 39.24% | 37.21% | 38.52% | -317 bps | |
| Liquid Assets / Assets | 51.29% | 56.89% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |