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Bank of Commerce

Trenton, TN · Cert 1701

FDIC · 3 branches

Q2 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Commerce

Trenton, TN · Cert 1701

FDIC · 3 branches

Q2 2017

$159.8MAssets
$99.5MLoans
$139.5MDeposits
$19.5MEquity
Loan mix
73%RE $59.1M16%C&I $12.8M11%Consumer $8.7MQ2 2016Q2 2017
Deposit mix
80%Interest-bearing $112.2M20%Noninterest $27.3MQ2 2016Q2 2017

NIM

4.12%Q2 ’154.25%Q2 ’164.18%Q2 ’17+6%-1%

Non-interest income vs. expense

3.69%Q2 ’153.68%Q2 ’163.85%Q2 ’17-3%+7%

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2017 SOD (annual) · 0.1% share · #53 of 64 inst. · $0.0B of $57.4B

7.3% Giles
0.5% Williamson
2.6% Marshall

Executive Summary

  • Earnings: ROA of 0.65%, down 295 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 2.29% of loans (+229 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 12.18%, up 163 bps from a year ago.
  • Funding: loans stand at 71.33% of deposits as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

0.65%-295 bps YoY

Net Interest Margin (YTD, annualized)

3.72%-6 bps YoY

Efficiency Ratio (YTD, annualized)

78.53%+438 bps YoY

Tier 1 Leverage Ratio

12.18%+163 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets3.60%2.67%3.53%0.64%0.65%-295 bps
Return on Equity39.10%27.83%35.15%5.47%5.49%-3,361 bps
Net Interest Margin3.77%3.77%3.69%3.65%3.72%-6 bps
Efficiency Ratio74.14%75.42%76.60%77.78%78.53%+438 bps
Non-Interest Burden2.48%2.54%2.54%2.60%2.66%+18 bps
Growth
Asset Growth (YoY)1.31%4.48%9.66%6.58%5.17%+385 bps
Loan Growth (YoY)4.74%3.17%3.04%2.18%4.46%-28 bps
Deposit Growth (YoY)-4.38%-1.03%2.99%4.96%3.45%+783 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%2.54%2.29%+229 bps
Net Charge-Offs / Loans0.52%0.33%0.25%0.05%0.11%-40 bps
Allowance / Loans1.57%1.53%1.55%1.55%1.45%-12 bps
Allowance Coverage of NPLsn/an/an/a0.6x0.6xn/a
Capital
Tier 1 Leverage Ratio10.54%10.73%12.17%12.09%12.18%+163 bps
Total Risk-Based Capital16.74%17.10%19.46%19.61%19.58%+284 bps
Equity / Assets10.69%10.65%11.81%11.75%12.18%+149 bps
Liquidity & Funding
Loans / Deposits70.64%70.61%69.37%67.28%71.33%+69 bps
Liquid Assets / Assets7.39%9.00%9.94%12.51%7.97%+58 bps
CRE / Total Capitaln/an/an/an/an/an/an/a