Bristol, TN · Charter 68122
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.
Bristol, TN · Charter 68122
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 | 0.63% | 0.15% | 0.17% | 0.26% | 0.20% | -4.24% | -2.15% | -16.04% | -1,630 bps | |
| Return on Equity | 4.50% | 1.06% | 1.16% | 1.81% | 1.42% | -30.59% | -14.33% | -16.85% | -1,866 bps | |
| Net Interest Margin | 2.43% | 2.13% | 2.20% | 2.26% | 2.18% | 2.73% | 2.87% | 15.36% | +1,310 bps | |
| Efficiency Ratio | 74.48% | 92.92% | 92.63% | 88.61% | 77.62% | 68.36% | 68.09% | 65.95% | -2,266 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.74% | -8.22% | -4.50% | -0.86% | -0.30% | -1.27% | -9.73% | -86.42% | -8,556 bps | |
| Loan Growth (YoY) | -10.75% | -7.31% | -4.52% | 14.71% | 11.71% | -5.37% | 1.13% | -91.34% | -10,605 bps | |
| Share Growth (YoY) | -10.35% | -10.08% | -5.71% | -1.68% | -1.02% | -0.56% | -10.70% | -99.98% | -9,830 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.27% | 9.32% | 2.04% | 8.61% | 7.90% | 6.40% | 5.92% | 11.86% | +326 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 | 1.16% | 1.30% | 1.47% | 1.51% | 1.02% | 1.55% | 1.78% | 19.50% | +1,799 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.02% | 14.56% | 14.37% | 14.54% | 14.40% | 13.86% | 14.98% | 95.20% | +8,066 bps | |
| Net Worth / Assets | 14.02% | 14.56% | 14.37% | 14.54% | 14.40% | 13.86% | 14.98% | 95.20% | +8,066 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.83% | 50.35% | 50.07% | 55.04% | 53.98% | 47.92% | 56.70% | 25458% | +2,540,309 bps | |
| Liquid Assets / Assets | 57.70% | 55.86% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |