Nashville, TN · Cert 33902
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.87% | 0.94% | 1.02% | 0.99% | 1.00% | 0.87% | 0.36% | -66 bps | |
| Return on Equity | 10.63% | 11.42% | 12.27% | 13.41% | 13.08% | 13.19% | 11.29% | 4.57% | -884 bps | |
| Net Interest Margin | 3.80% | 3.92% | 3.87% | 3.93% | 3.92% | 3.58% | 3.43% | 3.36% | -58 bps | |
| Efficiency Ratio | 62.24% | 60.15% | 58.17% | 56.46% | 59.66% | 60.30% | 62.28% | 66.55% | +1,009 bps | |
| Non-Interest Burden | 2.16% | 2.15% | 2.03% | 2.02% | 2.15% | 1.91% | 1.96% | 2.10% | +8 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 | 0.30% | 0.12% | 0.06% | 0.04% | 0.02% | 0.17% | 0.08% | 0.97% | +93 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 |