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Tennessee Commerce Bank

Franklin, TN · Cert 35296

FDIC

Q4 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2011, the quarter ended December 31, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Tennessee Commerce Bank

Franklin, TN · Cert 35296

FDIC

Q4 2011

$1.0BAssets
$897.2MLoans
$1.0BDeposits
$-36660KEquity
Loan mix
31%RE $199.6M69%C&I $446.8M1%Consumer $3.5MQ4 2010Q4 2011
Deposit mix
97%Interest-bearing $1.0B3%Noninterest $0.0BQ4 2010Q4 2011

NIM

6.06%Q4 ’095.55%Q4 ’105.47%Q4 ’11+6%-9%

Non-interest income vs. expense

1.49%Q4 ’091.90%Q4 ’102.67%Q4 ’11+6%+117%

Executive Summary

  • Earnings: ROA of -12.63%, down 1,306 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 12.60%.
  • Funding: loans stand at 86.46% of deposits as of Q4 2011.

Financial Results

Return on Assets (YTD, annualized)

-12.63%-1,306 bps YoY

Net Interest Margin (YTD, annualized)

3.37%-33 bps YoY

Efficiency Ratio (YTD, annualized)

119.26%+6,988 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets0.43%-0.59%-13.57%-11.21%-12.63%-1,306 bps
Return on Equity4.93%-7.07%-214%-216%-330%-33,474 bps
Net Interest Margin3.70%3.67%3.01%3.11%3.37%-33 bps
Efficiency Ratio49.38%52.27%122.57%101.00%119.26%+6,988 bps
Non-Interest Burden1.75%2.13%3.30%3.13%3.80%+205 bps
Growth
Asset Growth (YoY)5.22%10.09%0.31%-16.04%-30.14%-3,535 bps
Loan Growth (YoY)5.00%1.89%-9.74%-18.32%-27.05%-3,204 bps
Deposit Growth (YoY)4.79%10.85%8.38%-8.96%-20.59%-2,538 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.50%1.42%16.38%12.79%12.60%+1,110 bps
Allowance / Loans1.75%2.16%3.23%3.52%7.14%+540 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.30%10.98%3.92%2.34%-4.00%-1,531 bps
Equity / Assets8.61%8.07%2.08%0.99%-3.63%-1,224 bps
Liquidity & Funding
Loans / Deposits94.11%87.77%80.11%87.74%86.46%-765 bps
Liquid Assets / Assets0.00%0.00%0.07%0.02%3.21%+321 bps
CRE / Total Capitaln/an/an/an/an/an/an/a