Lebanon, TN · Charter 68072
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 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.
Lebanon, TN · Charter 68072
Q1 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 1.06% | 1.17% | 1.05% | 1.35% | 1.61% | 1.63% | 1.37% | +32 bps | |
| Return on Equity | 3.05% | 4.99% | 5.36% | 4.24% | 5.43% | 5.79% | 5.33% | 3.25% | -99 bps | |
| Net Interest Margin | 2.55% | 2.82% | 3.00% | 3.92% | 3.67% | 4.18% | 4.47% | 5.76% | +184 bps | |
| Efficiency Ratio | 51.89% | 42.37% | 41.96% | 44.19% | 39.14% | 40.18% | 43.10% | 57.47% | +1,328 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.59% | 0.87% | 1.65% | -11.60% | -9.43% | -18.61% | -24.28% | -37.87% | -2,628 bps | |
| Loan Growth (YoY) | 21.38% | 18.25% | 4.29% | -8.57% | -25.63% | -35.23% | -27.23% | -29.53% | -2,096 bps | |
| Share Growth (YoY) | -3.89% | -0.06% | 0.59% | -16.39% | -13.77% | -25.42% | -32.69% | -52.33% | -3,593 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.90% | 2.14% | 8.70% | 9.31% | 10.86% | 13.00% | 9.69% | 18.18% | +887 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 | 4.55% | 1.28% | 1.61% | 5.59% | 7.92% | 10.13% | 8.78% | 14.66% | +907 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.06% | 21.33% | 21.88% | 24.85% | 24.87% | 27.87% | 30.53% | 42.15% | +1,730 bps | |
| Net Worth / Assets | 21.06% | 21.33% | 21.88% | 24.85% | 24.87% | 27.87% | 30.53% | 42.15% | +1,730 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 12.86% | 13.11% | 13.58% | 12.02% | 11.09% | 11.39% | 14.68% | 17.76% | +575 bps | |
| Liquid Assets / Assets | 88.74% | 88.06% | 87.78% | 89.62% | 0.00% | 0.00% | 0.00% | 0.00% | -8,962 bps | |