Lenoir City, TN · Cert 33417
FDIC
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Lenoir City, TN · Cert 33417
FDIC
Q1 2006
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.22% | 0.37% | 0.27% | 0.39% | 0.49% | 0.57% | 0.66% | +38 bps | |
| Return on Equity | 1.11% | 1.44% | 2.42% | 1.89% | 2.70% | 3.43% | 4.00% | 5.17% | +329 bps | |
| Net Interest Margin | 2.90% | 2.80% | 2.90% | 3.18% | 3.18% | 3.25% | 3.22% | 3.12% | -6 bps | |
| Efficiency Ratio | 86.15% | 84.31% | 78.85% | 79.56% | 75.68% | 72.81% | 70.52% | 62.43% | -1,713 bps | |
| Non-Interest Burden | 2.53% | 2.38% | 2.26% | 2.53% | 2.37% | 2.31% | 2.20% | 1.84% | -68 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.95% | 17.70% | 25.73% | 25.93% | 16.30% | 18.72% | 24.38% | 33.32% | +739 bps | |
| Loan Growth (YoY) | 41.14% | 52.11% | 41.85% | 31.17% | 27.97% | 28.36% | 25.23% | 12.03% | -1,913 bps | |
| Deposit Growth (YoY) | 12.95% | 17.39% | 27.13% | 28.44% | 16.36% | 19.99% | 27.07% | 36.49% | +805 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 | 0.00% | 0.02% | 0.02% | 0.07% | 0.06% | 0.05% | 0.05% | 0.24% | +16 bps | |
| Allowance / Loans | 1.33% | 1.26% | 1.25% | 1.24% | 1.23% | 1.20% | 1.24% | 1.32% | +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 | 10.38% | 10.53% | 10.51% | 10.35% | 10.64% | 10.52% | 11.40% | 11.50% | +115 bps | |
| Equity / Assets | 14.72% | 15.32% | 14.69% | 14.44% | 14.37% | 14.14% | 13.27% | 12.20% | -224 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.38% | 74.20% | 73.39% | 75.80% | 75.20% | 79.37% | 72.33% | 62.22% | -1,358 bps | |
| Liquid Assets / Assets | 6.50% | 6.49% | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |