Franklin, TN · Cert 32712
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Franklin, TN · Cert 32712
FDIC
Q2 2009
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.40% | -0.62% | 0.05% | 3.74% | -3.69% | -1.74% | -2.04% | -209 bps | |
| Return on Equity | 2.06% | 1.55% | -2.00% | 0.17% | 12.85% | -12.85% | -6.47% | -7.54% | -771 bps | |
| Net Interest Margin | 3.11% | 2.79% | 3.21% | 3.72% | 6.03% | 6.36% | 3.89% | 3.57% | -15 bps | |
| Efficiency Ratio | 67.74% | 68.49% | 92.54% | 62.39% | 25.66% | 27.53% | 53.37% | 61.55% | -83 bps | |
| Non-Interest Burden | 1.88% | 1.71% | 2.97% | 2.13% | 1.09% | 5.95% | 2.03% | 2.32% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.75% | 39.16% | 30.61% | 322% | 300% | 181.83% | 207% | -15.56% | -33,729 bps | |
| Loan Growth (YoY) | 11.02% | 27.65% | 23.43% | 196.34% | 192.18% | 143.78% | 140.78% | -7.26% | -20,360 bps | |
| Deposit Growth (YoY) | -3.38% | 31.37% | 18.89% | 231% | 257% | 185.66% | 214% | 6.02% | -22,471 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 | 0.36% | 0.44% | 0.61% | 0.67% | 0.70% | 1.23% | 2.57% | 3.43% | +276 bps | |
| Allowance / Loans | 0.91% | 0.85% | 1.14% | 0.65% | 0.93% | 2.32% | 3.57% | 4.53% | +388 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 | 11.61% | 21.76% | 22.04% | 11.67% | 15.35% | 15.08% | 14.37% | 14.61% | +294 bps | |
| Equity / Assets | 23.66% | 30.62% | 31.63% | 26.96% | 29.94% | 27.75% | 25.99% | 27.64% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 132.41% | 114.46% | 115.55% | 101.12% | 108.44% | 97.68% | 88.60% | 88.46% | -1,266 bps | |
| Liquid Assets / Assets | 0.12% | 0.10% | 0.10% | 5.39% | 5.88% | 0.50% | 0.12% | 0.20% | -519 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |