Bradford, TN · Cert 2382
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 1.17% | 1.13% | 0.94% | 0.49% | 0.70% | 0.69% | 0.84% | -10 bps | |
| Return on Equity | 3.55% | 7.04% | 6.59% | 5.37% | 2.74% | 5.30% | 6.55% | 6.65% | +128 bps | |
| Net Interest Margin | 3.58% | 3.71% | 3.81% | 3.70% | 3.65% | 3.37% | 3.27% | 3.36% | -34 bps | |
| Efficiency Ratio | 82.51% | 58.18% | 61.73% | 64.36% | 85.60% | 71.10% | 68.59% | 67.71% | +335 bps | |
| Non-Interest Burden | 2.88% | 2.00% | 2.18% | 2.23% | 3.07% | 2.30% | 2.33% | 2.38% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.13% | -1.20% | -8.19% | -5.89% | -1.37% | 0.12% | 4.20% | 2.93% | +883 bps | |
| Loan Growth (YoY) | 4.15% | 0.69% | 9.56% | 5.14% | -2.06% | 4.40% | 1.94% | 4.56% | -58 bps | |
| Deposit Growth (YoY) | 1.85% | -2.17% | -10.28% | -7.47% | -3.09% | 10.13% | 10.63% | 9.50% | +1,697 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 | 0.00% | 0.00% | 0.57% | -0.03% | -0.07% | -0.23% | 0.03% | -0.03% | 0 bps | |
| Allowance / Loans | 2.73% | 2.66% | 2.36% | 2.37% | 2.65% | 2.48% | 2.39% | 2.34% | -3 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 | 44.27% | 46.88% | 43.79% | 44.46% | 48.26% | 21.62% | 22.70% | 22.92% | -2,155 bps | |
| Equity / Assets | 16.39% | 16.90% | 17.32% | 17.59% | 17.81% | 8.53% | 12.50% | 12.81% | -477 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 36.78% | 38.56% | 42.09% | 41.80% | 37.18% | 36.55% | 38.78% | 39.91% | -189 bps | |
| Liquid Assets / Assets | 20.19% | 17.04% | 14.47% | 9.87% | 9.40% | 7.93% | 4.75% | 2.93% | -695 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |