Trenton, TN · Cert 34399
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.
Trenton, TN · Cert 34399
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 | 1.50% | 1.29% | 0.75% | 0.92% | 1.07% | 1.57% | 0.69% | 0.98% | +6 bps | |
| Return on Equity | 16.96% | 14.48% | 8.04% | 9.72% | 10.18% | 13.94% | 4.80% | 6.85% | -287 bps | |
| Net Interest Margin | 4.18% | 4.05% | 4.05% | 4.26% | 4.27% | 4.11% | 3.58% | 3.78% | -49 bps | |
| Efficiency Ratio | 67.31% | 69.51% | 73.63% | 74.44% | 72.00% | 72.30% | 74.25% | 70.00% | -444 bps | |
| Non-Interest Burden | 2.48% | 2.51% | 2.72% | 2.90% | 2.86% | 2.84% | 2.62% | 2.56% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.59% | 6.56% | -0.69% | 3.29% | 5.48% | 2.76% | 7.28% | 5.68% | +239 bps | |
| Loan Growth (YoY) | 7.31% | 1.46% | -1.96% | -3.25% | -2.01% | -4.83% | -3.59% | 2.91% | +616 bps | |
| Deposit Growth (YoY) | -0.84% | 3.67% | -3.93% | 0.92% | 5.36% | -2.66% | 1.85% | 0.53% | -38 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 | 0.38% | 0.47% | 2.06% | 0.92% | 0.69% | 0.85% | -0.36% | 0.03% | -89 bps | |
| Allowance / Loans | 1.43% | 1.76% | 1.41% | 1.46% | 1.35% | 1.57% | 1.68% | 1.47% | +1 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 | 14.32% | 15.50% | 15.81% | 15.65% | 16.77% | 19.34% | 19.20% | 17.57% | +193 bps | |
| Equity / Assets | 9.30% | 8.98% | 9.68% | 9.83% | 13.56% | 14.09% | 14.56% | 14.38% | +456 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.11% | 69.32% | 75.80% | 79.33% | 82.87% | 67.77% | 71.75% | 81.21% | +188 bps | |
| Liquid Assets / Assets | 0.29% | 0.28% | 0.30% | 0.30% | 0.28% | 0.28% | 0.29% | 0.29% | 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 |