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Bank of Nashville, The

Nashville, TN · Cert 32713

FDIC

Q1 2010

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 2010, the quarter ended March 31, 2010, 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 Nashville, The

Nashville, TN · Cert 32713

FDIC

Q1 2010

$691.5MAssets
$530.6MLoans
$526.7MDeposits
$64.5MEquity
Loan mix
83%RE $333.8M16%C&I $65.9M1%Consumer $2.3MQ1 2009Q1 2010
Deposit mix
88%Interest-bearing $461.9M12%Noninterest $64.8MQ1 2009Q1 2010

NIM

5.97%Q1 ’084.52%Q1 ’094.28%Q1 ’10-13%+12%

Non-interest income vs. expense

2.25%Q1 ’082.23%Q1 ’092.60%Q1 ’100%+48%

Executive Summary

  • Earnings: ROA of -4.63%, down 396 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.17%.
  • Funding: loans stand at 100.74% of deposits as of Q1 2010.

Financial Results

Return on Assets (YTD, annualized)

-4.63%-396 bps YoY

Net Interest Margin (YTD, annualized)

2.73%+30 bps YoY

Efficiency Ratio (YTD, annualized)

98.84%+2,103 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets-0.67%-0.94%-2.75%-3.34%-4.63%-396 bps
Return on Equity-7.36%-10.29%-29.81%-36.64%-51.49%-4,413 bps
Net Interest Margin2.42%2.67%2.77%2.93%2.73%+30 bps
Efficiency Ratio77.82%86.88%85.26%87.29%98.84%+2,103 bps
Non-Interest Burden1.87%2.39%2.41%2.62%2.78%+91 bps
Growth
Asset Growth (YoY)-18.23%-21.48%-23.63%-18.70%-13.76%+447 bps
Loan Growth (YoY)-14.06%-18.19%-14.57%-21.07%-22.44%-838 bps
Deposit Growth (YoY)-11.22%-23.88%-22.06%-20.06%-11.97%-75 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.91%3.09%4.54%6.47%4.17%+226 bps
Allowance / Loans2.73%2.40%2.97%3.46%3.82%+109 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.50%10.42%11.10%10.53%11.98%+149 bps
Equity / Assets9.27%9.30%9.45%8.66%9.33%+6 bps
Liquidity & Funding
Loans / Deposits114.34%121.43%117.07%107.57%100.74%-1,360 bps
Liquid Assets / Assets0.04%0.09%0.51%0.51%0.49%+45 bps
CRE / Total Capitaln/an/an/an/an/an/an/a