Chattanooga, TN · Charter 67907
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.
Chattanooga, TN · Charter 67907
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | 0.18% | 0.49% | 0.57% | 0.42% | 0.16% | 0.07% | 0.25% | -33 bps | |
| Return on Equity | 0.20% | 0.70% | 1.90% | 2.18% | 1.55% | 0.56% | 0.25% | 0.87% | -131 bps | |
| Net Interest Margin | 4.28% | 4.27% | 4.16% | 4.18% | 4.42% | 4.54% | 4.44% | 4.59% | +41 bps | |
| Efficiency Ratio | 98.90% | 96.06% | 89.40% | 87.74% | 91.22% | 96.87% | 98.55% | 95.12% | +738 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.02% | -3.58% | -1.66% | -3.85% | -3.17% | -6.31% | -8.73% | -8.26% | -440 bps | |
| Loan Growth (YoY) | 5.09% | 1.60% | -0.09% | 11.68% | 0.15% | -1.75% | -9.08% | -13.25% | -2,492 bps | |
| Share Growth (YoY) | 0.29% | -4.93% | -2.51% | -5.69% | -4.93% | -8.64% | -11.62% | -10.86% | -517 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.50% | 4.92% | 6.78% | 0.98% | 0.96% | 0.30% | 1.89% | 0.75% | -23 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 | 3.37% | 3.72% | 3.00% | 1.21% | 0.98% | 1.31% | 1.48% | 1.72% | +51 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.95% | 26.22% | 25.99% | 26.27% | 27.22% | 27.97% | 28.24% | 28.35% | +208 bps | |
| Net Worth / Assets | 25.95% | 26.22% | 25.99% | 26.27% | 27.22% | 27.97% | 28.24% | 28.35% | +208 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.70% | 60.71% | 64.97% | 66.06% | 68.16% | 65.29% | 66.84% | 64.29% | -177 bps | |
| Liquid Assets / Assets | 49.37% | 54.94% | 41.66% | 40.23% | 38.65% | 38.29% | 0.00% | 0.00% | -4,023 bps | |