Brentwood, TN · Cert 34541
FDIC
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Brentwood, TN · Cert 34541
FDIC
Q3 2004
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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.97% | 0.91% | 0.94% | 0.90% | 0.82% | 0.82% | 0.94% | 0 bps | |
| Return on Equity | 11.37% | 10.46% | 9.97% | 10.39% | 10.03% | 9.73% | 9.88% | 11.38% | +99 bps | |
| Net Interest Margin | 3.79% | 4.02% | 3.86% | 3.82% | 3.77% | 3.62% | 3.67% | 3.76% | -6 bps | |
| Efficiency Ratio | 67.57% | 66.71% | 66.78% | 65.22% | 66.45% | 60.59% | 61.24% | 59.03% | -619 bps | |
| Non-Interest Burden | 2.30% | 2.31% | 2.22% | 2.07% | 2.14% | 1.85% | 1.94% | 1.92% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.75% | 24.12% | 32.37% | 18.65% | 16.79% | 24.21% | 15.92% | 20.44% | +179 bps | |
| Loan Growth (YoY) | 13.64% | 30.79% | 28.55% | 28.17% | 39.11% | 26.24% | 27.90% | 25.80% | -237 bps | |
| Deposit Growth (YoY) | 20.75% | 22.28% | 30.59% | 15.78% | 15.50% | 29.98% | 17.77% | 22.27% | +650 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 | 0.02% | 0.00% | 0.05% | 0.14% | 0.20% | 0.08% | 0.27% | 0.23% | +8 bps | |
| Allowance / Loans | 1.28% | 1.16% | 1.15% | 1.11% | 1.05% | 1.12% | 1.06% | 1.11% | -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 | 14.19% | 12.76% | 12.43% | 12.39% | 11.42% | 11.05% | 10.53% | 10.85% | -154 bps | |
| Equity / Assets | 9.43% | 9.18% | 8.67% | 9.09% | 8.74% | 8.06% | 8.04% | 8.31% | -77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.13% | 95.44% | 90.54% | 97.18% | 102.52% | 92.70% | 98.33% | 99.98% | +281 bps | |
| Liquid Assets / Assets | 0.71% | 1.41% | 1.30% | 1.36% | 1.27% | 1.22% | 1.12% | 1.12% | -23 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |