Nashville, TN · Cert 32713
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.77% | -0.63% | -28.20% | -0.67% | -1.23% | -6.66% | -5.37% | -4.63% | -396 bps | |
| Return on Equity | -5.63% | -4.59% | -243% | -7.36% | -13.28% | -71.03% | -59.25% | -51.49% | -4,413 bps | |
| Net Interest Margin | 2.72% | 2.69% | 2.57% | 2.42% | 2.75% | 2.77% | 2.84% | 2.73% | +30 bps | |
| Efficiency Ratio | 84.80% | 76.13% | 76.95% | 77.82% | 97.81% | 82.24% | 93.66% | 98.84% | +2,103 bps | |
| Non-Interest Burden | 2.35% | 2.06% | 25.91% | 1.87% | 2.77% | 2.31% | 2.73% | 2.78% | +91 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.85% | 2.82% | -10.93% | -18.23% | -21.48% | -23.63% | -18.70% | -13.76% | +447 bps | |
| Loan Growth (YoY) | 13.76% | -2.72% | -11.11% | -14.06% | -18.19% | -14.57% | -21.07% | -22.44% | -838 bps | |
| Deposit Growth (YoY) | 14.82% | 11.27% | -2.95% | -11.22% | -23.88% | -22.06% | -20.06% | -11.97% | -75 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 | 1.24% | 1.64% | 4.61% | 1.91% | 4.19% | 7.02% | 10.81% | 4.17% | +226 bps | |
| Allowance / Loans | 1.39% | 1.66% | 2.62% | 2.73% | 2.40% | 2.97% | 3.46% | 3.82% | +109 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 | 10.28% | 10.99% | 10.95% | 10.50% | 10.42% | 11.10% | 10.53% | 11.98% | +149 bps | |
| Equity / Assets | 13.55% | 14.08% | 8.88% | 9.27% | 9.30% | 9.45% | 8.66% | 9.33% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.98% | 106.81% | 108.95% | 114.34% | 121.43% | 117.07% | 107.57% | 100.74% | -1,360 bps | |
| Liquid Assets / Assets | 0.02% | 0.01% | 0.04% | 0.04% | 0.09% | 0.51% | 0.51% | 0.49% | +45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |