Lynchburg, TN · Cert 1690
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 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.
Lynchburg, TN · Cert 1690
FDIC
Q1 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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.36% | -0.36% | -3.11% | -0.32% | -0.76% | -9.42% | -8.18% | -0.33% | 0 bps | |
| Return on Equity | -2.87% | -2.85% | -25.27% | -3.07% | -7.06% | -98.28% | -94.30% | -7.64% | -458 bps | |
| Net Interest Margin | 3.01% | 3.02% | 2.95% | 2.95% | 2.95% | 3.11% | 3.27% | 2.94% | -1 bps | |
| Efficiency Ratio | 93.26% | 93.23% | 105.74% | 108.93% | 114.47% | 118.40% | 120.40% | 102.79% | -614 bps | |
| Non-Interest Burden | 2.96% | 3.00% | 4.76% | 3.48% | 4.29% | 4.44% | 4.64% | 3.27% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 276% | 19.07% | -10.27% | -7.20% | -14.84% | -22.03% | -21.76% | -18.97% | -1,177 bps | |
| Loan Growth (YoY) | 254% | 20.04% | -10.07% | -10.27% | -15.66% | -14.86% | -17.92% | -20.03% | -976 bps | |
| Deposit Growth (YoY) | 277% | 19.16% | -8.97% | -4.35% | -13.14% | -14.86% | -16.41% | -13.26% | -890 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 | 2.60% | 2.42% | 2.94% | 1.03% | 2.20% | 1.68% | 4.77% | 1.01% | -1 bps | |
| Allowance / Loans | 2.23% | 1.99% | 4.16% | 3.99% | 3.53% | 5.61% | 3.58% | 3.50% | -49 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 | 10.57% | 10.70% | 7.66% | 7.58% | 8.02% | 5.83% | 4.80% | 4.80% | -278 bps | |
| Equity / Assets | 13.08% | 13.16% | 10.55% | 10.48% | 11.49% | 5.16% | 4.39% | 4.13% | -635 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.93% | 76.79% | 73.22% | 71.60% | 74.71% | 76.79% | 71.89% | 66.02% | -559 bps | |
| Liquid Assets / Assets | 6.54% | 9.66% | 7.50% | 7.90% | 9.58% | 8.39% | 7.51% | 2.24% | -566 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |