Chattanooga, TN · Charter 68355
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 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.
Chattanooga, TN · Charter 68355
Q4 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.41% | -1.33% | -0.04% | -0.50% | 1.66% | -2.53% | -12.68% | -9.69% | -919 bps | |
| Return on Equity | n/a | -11.34% | -0.31% | -4.07% | 13.21% | -22.48% | -309% | -234% | -22,998 bps | |
| Net Interest Margin | 4.16% | 5.25% | 5.72% | 6.02% | 6.74% | 6.76% | 7.31% | 7.55% | +153 bps | |
| Efficiency Ratio | 93.37% | 93.36% | 81.44% | 83.08% | 68.96% | 75.42% | 77.69% | 83.91% | +83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.52% | 13.87% | 15.84% | -2.68% | -6.86% | -4.68% | -11.44% | -11.45% | -877 bps | |
| Loan Growth (YoY) | 0.59% | 12.22% | 17.07% | 22.33% | 1.93% | -8.87% | -15.77% | -20.21% | -4,254 bps | |
| Share Growth (YoY) | 44.07% | 23.25% | 22.92% | -2.27% | -19.50% | -4.55% | -2.60% | -3.39% | -112 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.22% | 5.48% | 4.36% | 4.25% | 3.89% | 2.54% | 5.15% | 0.81% | -344 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 | 0.42% | 0.43% | 0.46% | 0.28% | 0.70% | 2.15% | 14.72% | 14.96% | +1,468 bps | |
| Capital | ||||||||||
| Risk-Based Capital | -0.50% | 11.74% | 12.51% | 12.25% | 12.55% | 11.24% | 4.10% | 4.14% | -811 bps | |
| Net Worth / Assets | -0.50% | 11.74% | 12.51% | 12.25% | 12.55% | 11.24% | 4.10% | 4.14% | -811 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.11% | 76.77% | 79.51% | 77.11% | 76.12% | 73.29% | 68.76% | 63.69% | -1,343 bps | |
| Liquid Assets / Assets | 39.10% | 32.23% | 25.67% | 28.53% | 33.96% | 0.00% | 0.00% | 0.00% | -2,853 bps | |