Bells, TN · Cert 1469
FDIC
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.
Bells, TN · Cert 1469
FDIC
Q1 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
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 | 0.65% | 0.69% | 0.71% | 0.71% | 0.77% | 0.78% | 0.75% | 0.49% | -22 bps | |
| Return on Equity | 4.94% | 5.12% | 5.24% | 5.11% | 5.43% | 5.43% | 5.23% | 3.35% | -176 bps | |
| Net Interest Margin | 3.32% | 3.44% | 3.41% | 3.30% | 3.50% | 3.56% | 3.42% | 2.93% | -37 bps | |
| Efficiency Ratio | 77.31% | 77.68% | 77.12% | 77.74% | 75.97% | 75.62% | 76.69% | 83.81% | +607 bps | |
| Non-Interest Burden | 2.53% | 2.63% | 2.59% | 2.52% | 2.61% | 2.65% | 2.58% | 2.43% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.69% | -5.23% | -5.42% | -3.46% | -2.41% | -2.47% | -2.61% | -2.18% | +128 bps | |
| Loan Growth (YoY) | -9.04% | -7.26% | -6.35% | -8.99% | -3.48% | -9.81% | -16.67% | -12.06% | -307 bps | |
| Deposit Growth (YoY) | -5.97% | -6.40% | -6.57% | -3.87% | -3.54% | -3.13% | -3.19% | -3.14% | +74 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.06% | 0.02% | -0.04% | -0.03% | -0.01% | -0.07% | 0.87% | +91 bps | |
| Allowance / Loans | 1.83% | 1.87% | 1.99% | 2.06% | 1.98% | 2.11% | 2.47% | 2.19% | +13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 30.03% | 31.04% | 30.23% | 30.20% | 30.83% | 33.14% | 33.92% | 33.82% | +362 bps | |
| Equity / Assets | 13.62% | 14.29% | 13.99% | 13.84% | 14.60% | 14.97% | 14.59% | 14.66% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 42.76% | 43.88% | 40.65% | 39.29% | 42.78% | 40.86% | 34.99% | 35.67% | -362 bps | |
| Liquid Assets / Assets | 12.78% | 15.46% | 17.93% | 19.93% | 23.00% | 23.97% | 21.84% | 16.91% | -302 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |