Trenton, TN · Cert 34399
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 | 1.48% | 0.68% | 0.75% | 1.11% | 1.39% | 3.01% | 0.69% | 1.28% | +17 bps | |
| Return on Equity | 15.94% | 7.40% | 8.04% | 11.36% | 11.83% | 21.76% | 4.80% | 8.86% | -251 bps | |
| Net Interest Margin | 4.33% | 4.08% | 4.05% | 4.40% | 4.40% | 3.97% | 3.58% | 3.94% | -45 bps | |
| Efficiency Ratio | 66.93% | 76.01% | 73.63% | 75.19% | 67.26% | 73.24% | 74.25% | 65.98% | -921 bps | |
| Non-Interest Burden | 2.54% | 2.85% | 2.72% | 3.02% | 2.87% | 2.99% | 2.62% | 2.47% | -55 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 | 0.51% | 0.57% | 2.06% | -0.10% | 0.33% | 0.92% | -0.36% | 0.37% | +48 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 |