Franklin, TN · Cert 35296
FDIC
Q4 2011
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Franklin, TN · Cert 35296
FDIC
Q4 2011
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 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.73% | 0.43% | 0.43% | -0.59% | -13.57% | -11.21% | -12.63% | -1,306 bps | |
| Return on Equity | 8.67% | 8.41% | 4.95% | 4.93% | -7.07% | -214% | -216% | -330% | -33,474 bps | |
| Net Interest Margin | 4.04% | 4.04% | 3.83% | 3.70% | 3.67% | 3.01% | 3.11% | 3.37% | -33 bps | |
| Efficiency Ratio | 41.53% | 42.55% | 46.93% | 49.38% | 52.27% | 122.57% | 101.00% | 119.26% | +6,988 bps | |
| Non-Interest Burden | 1.60% | 1.62% | 1.67% | 1.75% | 2.13% | 3.30% | 3.13% | 3.80% | +205 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.45% | 3.83% | 6.30% | 5.22% | 10.09% | 0.31% | -16.04% | -30.14% | -3,535 bps | |
| Loan Growth (YoY) | 7.45% | 4.35% | 7.07% | 5.00% | 1.89% | -9.74% | -18.32% | -27.05% | -3,204 bps | |
| Deposit Growth (YoY) | 12.13% | 3.25% | 5.49% | 4.79% | 10.85% | 8.38% | -8.96% | -20.59% | -2,538 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 | 1.48% | 1.44% | 1.55% | 1.50% | 1.42% | 16.38% | 12.79% | 12.60% | +1,110 bps | |
| Allowance / Loans | 1.70% | 1.70% | 1.75% | 1.75% | 2.16% | 3.23% | 3.52% | 7.14% | +540 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 | 10.72% | 10.95% | 11.06% | 11.30% | 10.98% | 3.92% | 2.34% | -4.00% | -1,531 bps | |
| Equity / Assets | 8.65% | 8.84% | 9.06% | 8.61% | 8.07% | 2.08% | 0.99% | -3.63% | -1,224 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.48% | 96.18% | 97.79% | 94.11% | 87.77% | 80.11% | 87.74% | 86.46% | -765 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.07% | 0.02% | 3.21% | +321 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |