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First Advantage Bank

Clarksville, TN · Cert 30698

FDIC · 9 branches

Q1 2020

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: Q1 2020, the quarter ended March 31, 2020, 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

First Advantage Bank

Clarksville, TN · Cert 30698

FDIC · 9 branches

Q1 2020

$735.2MAssets
$650.0MLoans
$611.2MDeposits
$75.1MEquity
Loan mix
57%RE $312.9M14%C&I $75.4M29%Consumer $161.8MQ1 2019Q1 2020
Deposit mix
89%Interest-bearing $545.3M11%Noninterest $65.9MQ1 2019Q1 2020

NIM

5.03%Q1 ’185.32%Q1 ’195.41%Q1 ’20-5%+2%

Non-interest income vs. expense

3.20%Q1 ’182.98%Q1 ’196.04%Q1 ’20-8%+113%

Market Position · Clarksville, TN-KY · 2019 SOD (annual) · 10.2% share · #3 of 16 inst. · $0.4B of $4.1B

15.4% Montgomery
1.0% Williamson
0.1% Davidson
0.0% Knox

Executive Summary

  • Earnings: ROA of -1.06%, down 198 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 1.04% of loans (-2 bps YoY), with net charge-offs at 0.19%.
  • Capital: tier 1 leverage ratio of 10.12%, down 79 bps from a year ago.
  • Funding: loans stand at 106.34% of deposits as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

-1.06%-198 bps YoY

Net Interest Margin (YTD, annualized)

3.98%+9 bps YoY

Efficiency Ratio (YTD, annualized)

129.84%+6,132 bps YoY

Tier 1 Leverage Ratio

10.12%-79 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets0.92%0.99%1.01%0.64%-1.06%-198 bps
Return on Equity8.55%9.15%9.47%6.05%-10.39%-1,894 bps
Net Interest Margin3.89%3.82%3.77%3.64%3.98%+9 bps
Efficiency Ratio68.52%67.70%66.81%78.28%129.84%+6,132 bps
Non-Interest Burden2.52%2.42%2.33%2.73%5.37%+285 bps
Growth
Asset Growth (YoY)15.81%15.02%15.89%10.92%7.68%-813 bps
Loan Growth (YoY)16.75%15.79%13.05%11.86%10.92%-583 bps
Deposit Growth (YoY)16.82%18.60%24.07%16.57%10.67%-614 bps
Asset Quality
Nonperforming Loans / Loans1.06%0.96%0.90%0.92%1.04%-2 bps
Net Charge-Offs / Loans0.20%0.13%0.12%0.14%0.19%-1 bps
Allowance / Loans0.89%0.89%0.87%0.79%0.83%-6 bps
Allowance Coverage of NPLs0.8x0.9x1.0x0.9x0.8x0.0x
Capital
Tier 1 Leverage Ratio10.91%10.89%10.79%10.15%10.12%-79 bps
Total Risk-Based Capital12.42%12.18%12.96%11.33%11.22%-120 bps
Equity / Assets10.74%10.81%10.44%10.19%10.21%-53 bps
Liquidity & Funding
Loans / Deposits106.11%105.55%102.20%105.33%106.34%+24 bps
Liquid Assets / Assets0.66%0.79%1.96%0.79%0.55%-11 bps
CRE / Total Capitaln/an/an/an/an/an/an/a