Kingsport, TN · Charter 68068
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 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.
Kingsport, TN · Charter 68068
Q1 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.37% | 0.27% | -0.35% | -0.20% | -0.03% | -0.13% | -0.31% | +3 bps | |
| Return on Equity | 1.70% | 1.94% | 1.34% | -1.72% | -0.97% | -0.15% | -0.61% | -1.44% | +28 bps | |
| Net Interest Margin | 4.60% | 4.46% | 4.54% | 3.65% | 3.81% | 3.94% | 4.01% | 3.77% | +12 bps | |
| Efficiency Ratio | 93.17% | 92.04% | 94.37% | 107.94% | 103.96% | 100.13% | 102.62% | 107.91% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.22% | -4.76% | -4.72% | -7.52% | -7.70% | -11.41% | -10.24% | -7.65% | -13 bps | |
| Loan Growth (YoY) | 0.13% | 7.13% | 11.63% | 21.35% | 12.87% | 3.33% | -2.84% | -5.21% | -2,656 bps | |
| Share Growth (YoY) | -6.85% | -6.02% | -6.13% | -9.23% | -9.45% | -14.00% | -12.54% | -9.48% | -25 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.68% | 2.83% | 1.90% | 2.97% | 2.24% | 2.20% | 3.18% | 5.30% | +233 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 | 2.83% | 2.74% | 2.24% | 2.30% | 2.20% | 1.87% | 1.02% | 0.59% | -171 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.28% | 19.06% | 19.84% | 20.29% | 20.89% | 21.46% | 21.97% | 21.85% | +156 bps | |
| Net Worth / Assets | 19.28% | 19.06% | 19.84% | 20.29% | 20.89% | 21.46% | 21.97% | 21.85% | +156 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.89% | 52.63% | 56.19% | 58.63% | 64.68% | 63.24% | 62.43% | 61.39% | +277 bps | |
| Liquid Assets / Assets | 36.36% | 16.38% | 1.28% | 9.31% | 3.62% | 4.04% | 2.99% | 3.95% | -536 bps | |