Brentwood, TN · Cert 34541
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.97% | 0.85% | 0.99% | 0.80% | 0.82% | 0.80% | 1.17% | +18 bps | |
| Return on Equity | 9.45% | 10.46% | 9.50% | 11.21% | 8.99% | 9.73% | 10.00% | 14.36% | +315 bps | |
| Net Interest Margin | 4.16% | 4.02% | 4.02% | 3.93% | 4.11% | 3.62% | 3.76% | 4.12% | +19 bps | |
| Efficiency Ratio | 69.78% | 66.71% | 66.84% | 62.46% | 70.04% | 60.59% | 61.89% | 54.99% | -747 bps | |
| Non-Interest Burden | 2.63% | 2.31% | 2.31% | 1.88% | 2.61% | 1.85% | 2.06% | 1.97% | +9 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 | 0.01% | 0.00% | 0.10% | 0.33% | 0.39% | 0.08% | 0.45% | 0.16% | -17 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 |