Chattanooga, TN · Charter 68154
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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 68154
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.42% | 0.28% | 0.35% | 0.37% | 0.10% | -0.31% | 1.91% | +155 bps | |
| Return on Equity | 1.35% | 2.63% | 1.76% | 2.30% | 2.33% | 0.67% | -1.92% | 8.55% | +624 bps | |
| Net Interest Margin | 4.62% | 3.29% | 3.19% | 3.26% | 3.33% | 3.49% | 3.32% | 6.22% | +296 bps | |
| Efficiency Ratio | 92.18% | 85.50% | 88.79% | 87.03% | 87.01% | 93.48% | 104.74% | 68.02% | -1,901 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.33% | 16.31% | 9.77% | 10.55% | 16.03% | 6.34% | -1.41% | -29.50% | -4,006 bps | |
| Loan Growth (YoY) | -19.91% | -27.19% | -10.52% | 4.34% | 17.05% | 23.44% | 12.51% | -7.92% | -1,226 bps | |
| Share Growth (YoY) | 4.92% | 19.20% | 11.43% | 12.17% | 18.87% | 7.23% | -1.85% | -35.02% | -4,719 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.62% | 2.78% | 1.71% | 1.29% | 0.37% | 0.22% | 1.20% | 2.56% | +128 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 | 1.07% | 0.81% | 0.88% | 0.80% | 0.86% | 0.91% | 1.04% | 0.73% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.82% | 16.14% | 15.78% | 15.41% | 15.71% | 15.46% | 16.09% | 22.30% | +689 bps | |
| Net Worth / Assets | 17.82% | 16.14% | 15.78% | 15.41% | 15.71% | 15.46% | 16.09% | 22.30% | +689 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.82% | 52.95% | 52.44% | 61.17% | 60.87% | 60.96% | 60.12% | 86.68% | +2,552 bps | |
| Liquid Assets / Assets | 48.86% | 54.74% | 54.75% | 47.43% | 47.20% | 46.82% | 47.60% | 29.60% | -1,783 bps | |