Elizabethton, TN · Cert 15685
FDIC
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.06% | 0.95% | 0.56%1 | 0.45% | 0.61%1 | 0.47% | -0.25% | -81 bps | |
| Return on Equity | 2.22% | 11.73% | 10.01% | 5.82% | 4.74% | 6.41% | 4.81% | -2.55% | -837 bps | |
| Net Interest Margin | 3.41% | 3.55% | 3.54% | 3.37% | 3.27% | 3.21% | 3.24% | 3.29% | -8 bps | |
| Efficiency Ratio | 95.01% | 65.87% | 63.71% | 84.31% | 70.78% | 94.05% | 87.42% | 104.75% | +2,044 bps | |
| Non-Interest Burden | 3.21% | 2.06% | 1.96% | 2.73% | 2.10% | 2.97% | 2.73% | 3.48% | +75 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% | 1.32% | 0.68% | 1.94% | 0.58% | 0.21% | 0.06% | 3.14% | +121 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 |