Knoxville, TN · Charter 67718
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 | 0.88% | 0.72% | 0.76% | 0.73% | 0.59% | 0.62% | 0.63% | 0.57% | -16 bps | |
| Return on Equity | 10.26% | 8.48% | 8.96% | 8.21% | 6.65% | 7.00% | 7.23% | 6.39% | -182 bps | |
| Net Interest Margin | 3.99% | 3.82% | 3.87% | 4.07% | 4.09% | 4.29% | 4.27% | 4.40% | +32 bps | |
| Efficiency Ratio | 82.04% | 87.88% | 87.26% | 87.60% | 87.36% | 87.09% | 86.80% | 87.36% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.87% | 12.43% | 7.72% | 6.84% | 3.45% | 2.62% | 3.40% | 5.03% | -180 bps | |
| Loan Growth (YoY) | -0.28% | 2.27% | 5.65% | 10.64% | 14.34% | 12.40% | 10.22% | 7.77% | -287 bps | |
| Share Growth (YoY) | 13.01% | 12.98% | 8.36% | 7.29% | 3.45% | 2.39% | 3.39% | 4.39% | -290 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.57% | 0.50% | 0.45% | 0.45% | 0.64% | 0.93% | 1.28% | +82 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 | 0.81% | 0.76% | 0.72% | 0.69% | 0.74% | 0.73% | 0.76% | 0.71% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.54% | 8.48% | 8.49% | 8.90% | 8.84% | 8.82% | 8.72% | 8.94% | +5 bps | |
| Net Worth / Assets | 8.54% | 8.48% | 8.49% | 8.90% | 8.84% | 8.82% | 8.72% | 8.94% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.16% | 74.86% | 76.73% | 83.05% | 83.07% | 82.18% | 81.80% | 85.74% | +269 bps | |
| Liquid Assets / Assets | 25.20% | 25.95% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |