Murfreesboro, TN · Cert 29644
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Murfreesboro, TN · Cert 29644
FDIC
Q4 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.86% | 0.95% | 0.09% | 1.31% | 1.29% | 1.33% | 1.17% | +108 bps | |
| Return on Equity | 8.63% | 9.16% | 10.08% | 0.94% | 15.56% | 15.41% | 15.91% | 13.97% | +1,303 bps | |
| Net Interest Margin | 3.86% | 4.00% | 3.95% | 3.83% | 3.96% | 3.97% | 3.93% | 3.94% | +11 bps | |
| Efficiency Ratio | 77.26% | 76.70% | 74.06% | 88.39% | 64.23% | 64.49% | 63.07% | 67.42% | -2,097 bps | |
| Non-Interest Burden | 2.43% | 2.49% | 2.29% | 3.13% | 1.82% | 1.84% | 1.76% | 2.04% | -109 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.99% | 11.05% | 16.78% | 10.75% | 14.69% | 16.80% | 15.04% | 13.19% | +245 bps | |
| Loan Growth (YoY) | 18.92% | 23.64% | 23.30% | 22.51% | 12.24% | 8.31% | 14.76% | 17.08% | -543 bps | |
| Deposit Growth (YoY) | 10.89% | 10.94% | 17.39% | 11.50% | 16.49% | 17.95% | 15.93% | 13.07% | +158 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 | 0.05% | 0.05% | 0.05% | 0.12% | 0.02% | 0.03% | 0.03% | 0.07% | -6 bps | |
| Allowance / Loans | 1.19% | 1.10% | 1.12% | 1.11% | 1.14% | 1.08% | 1.03% | 1.02% | -9 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 | 13.39% | 12.68% | 12.74% | 11.28% | 11.44% | 11.14% | 10.97% | 10.71% | -57 bps | |
| Equity / Assets | 9.60% | 9.43% | 9.32% | 8.34% | 8.47% | 8.36% | 8.34% | 8.40% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.27% | 90.43% | 86.40% | 86.42% | 84.08% | 83.05% | 85.53% | 89.48% | +306 bps | |
| Liquid Assets / Assets | 4.48% | 3.13% | 5.98% | 5.83% | 9.98% | 11.47% | 8.01% | 4.30% | -152 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |