Nashville, TN · Cert 33902
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Nashville, TN · Cert 33902
FDIC
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.85% | 0.94% | 0.98% | 0.98% | 0.99% | 0.87% | 0.60% | -38 bps | |
| Return on Equity | 12.02% | 11.87% | 12.27% | 12.86% | 12.91% | 12.96% | 11.29% | 7.82% | -504 bps | |
| Net Interest Margin | 3.51% | 3.48% | 3.87% | 3.80% | 3.76% | 3.57% | 3.43% | 3.32% | -48 bps | |
| Efficiency Ratio | 60.23% | 60.21% | 58.17% | 57.30% | 58.11% | 58.68% | 62.28% | 64.42% | +713 bps | |
| Non-Interest Burden | 1.92% | 1.90% | 2.03% | 1.98% | 1.99% | 1.90% | 1.96% | 1.99% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 31.85% | 26.81% | 22.94% | 20.98% | 19.06% | 19.13% | 21.04% | 20.47% | -51 bps | |
| Loan Growth (YoY) | 41.54% | 32.77% | 28.66% | 23.55% | 19.60% | 18.91% | 19.72% | 21.60% | -195 bps | |
| Deposit Growth (YoY) | 32.57% | 36.55% | 28.60% | 25.41% | 20.65% | 22.10% | 21.67% | 16.77% | -864 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 | 0.16% | 0.14% | 0.06% | 0.05% | 0.04% | 0.07% | 0.08% | 0.52% | +47 bps | |
| Allowance / Loans | 1.17% | 1.18% | 1.21% | 1.26% | 1.28% | 1.20% | 1.18% | 1.07% | -18 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 | 10.45% | 10.76% | 10.81% | 10.56% | 10.72% | 10.23% | 10.07% | 10.02% | -54 bps | |
| Equity / Assets | 7.56% | 7.66% | 7.74% | 7.48% | 7.62% | 7.61% | 7.71% | 7.84% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.14% | 102.18% | 104.19% | 100.76% | 100.26% | 99.51% | 102.52% | 104.93% | +417 bps | |
| Liquid Assets / Assets | 0.15% | 0.29% | 0.04% | 0.24% | 0.61% | 0.00% | 0.41% | 0.03% | -21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |