Elizabethton, TN · Cert 15685
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Elizabethton, TN · Cert 15685
FDIC
Q4 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.63% | 0.74% | 0.69% | 0.45% | 0.53% | 0.51% | 0.33% | -37 bps | |
| Return on Equity | 2.22% | 7.01% | 8.04% | 7.48% | 4.74% | 5.58% | 5.31% | 3.35% | -413 bps | |
| Net Interest Margin | 3.41% | 3.50% | 3.54% | 3.49% | 3.27% | 3.24% | 3.32% | 3.33% | -17 bps | |
| Efficiency Ratio | 95.01% | 80.06% | 74.56% | 76.89% | 70.78% | 82.36% | 84.01% | 89.17% | +1,229 bps | |
| Non-Interest Burden | 3.21% | 2.65% | 2.44% | 2.51% | 2.10% | 2.54% | 2.66% | 2.88% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.65% | -4.19% | -2.14% | -0.70% | 0.72% | -0.48% | -3.61% | -1.67% | -97 bps | |
| Loan Growth (YoY) | -9.54% | -11.28% | -11.88% | -8.36% | -10.07% | -9.15% | -8.28% | -10.09% | -173 bps | |
| Deposit Growth (YoY) | -6.78% | -5.93% | -2.43% | -1.14% | -0.25% | -0.93% | -3.10% | -0.02% | +112 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 | -0.04% | 0.64% | 0.67% | 1.00% | 0.58% | 0.41% | 0.30% | 1.02% | +2 bps | |
| Allowance / Loans | 1.75% | 1.76% | 2.03% | 1.79% | 1.94% | 2.04% | 2.07% | 1.40% | -38 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 | 13.81% | 14.40% | 14.86% | 15.33% | 15.37% | 15.89% | 16.12% | 16.21% | +87 bps | |
| Equity / Assets | 8.80% | 9.36% | 9.64% | 9.63% | 9.37% | 9.62% | 10.14% | 9.75% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.04% | 89.12% | 86.72% | 85.79% | 82.08% | 81.73% | 82.08% | 77.15% | -864 bps | |
| Liquid Assets / Assets | 0.59% | 0.60% | 0.60% | 1.27% | 2.40% | 2.48% | 1.66% | 2.17% | +90 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |