Centerville, TN · Cert 4919
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.63% | 1.03% | 1.13% | 0.71% | 0.87% | 0.66% | -1.43% | -256 bps | |
| Return on Equity | 3.00% | 4.39% | 7.15% | 7.75% | 4.84% | 5.94% | 4.36% | -9.65% | -1,741 bps | |
| Net Interest Margin | 4.21% | 4.35% | 4.72% | 4.79% | 4.38% | 4.41% | 4.29% | -10.16% | -1,494 bps | |
| Efficiency Ratio | 86.62% | 75.48% | 67.27% | 68.43% | 76.64% | 71.98% | 77.91% | 65.16% | -327 bps | |
| Non-Interest Burden | 3.58% | 3.16% | 3.01% | 3.13% | 3.25% | 3.04% | 3.23% | -7.72% | -1,085 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.75% | 4.41% | 8.83% | 7.70% | 5.23% | 3.17% | -2.22% | 4.82% | -288 bps | |
| Loan Growth (YoY) | -8.65% | -7.43% | -4.29% | -8.83% | -7.68% | -9.36% | -10.82% | 13.76% | +2,259 bps | |
| Deposit Growth (YoY) | 4.36% | 6.11% | 9.71% | 8.03% | 4.83% | 2.52% | -3.31% | 4.05% | -398 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 | -0.06% | 0.07% | 0.03% | 0.84% | 0.08% | 0.24% | 0.09% | -0.09% | -93 bps | |
| Allowance / Loans | 1.92% | 1.96% | 2.02% | 1.82% | 1.81% | 1.81% | 1.85% | 1.44% | -38 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 | 38.91% | 38.55% | 40.06% | 40.39% | 41.80% | 41.12% | 42.60% | 17.61% | -2,278 bps | |
| Equity / Assets | 14.57% | 14.11% | 14.63% | 14.53% | 14.76% | 14.57% | 15.48% | 14.23% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.82% | 53.52% | 50.67% | 48.55% | 48.27% | 47.31% | 46.73% | 53.09% | +453 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 |