Jamestown, TN · Cert 57111
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Jamestown, TN · Cert 57111
FDIC
Q4 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.75% | 1.28% | 1.13% | 1.24% | 1.37% | 1.51% | 1.56% | 1.60% | +36 bps | |
| Return on Equity | 14.10% | 10.46% | 9.37% | 10.59% | 12.90% | 14.14% | 14.52% | 14.66% | +407 bps | |
| Net Interest Margin | 5.71% | 4.81% | 4.36% | 4.30% | 4.78% | 4.59% | 4.65% | 4.47% | +17 bps | |
| Efficiency Ratio | 68.96% | 75.01% | 76.42% | 73.53% | 62.17% | 60.87% | 60.88% | 80.44% | +691 bps | |
| Non-Interest Burden | 3.97% | 3.71% | 3.39% | 3.22% | 2.89% | 2.71% | 2.75% | 3.59% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.46% | -3.62% | 6.99% | 35.58% | 34.10% | 30.48% | 23.98% | 5.33% | -3,026 bps | |
| Loan Growth (YoY) | -6.77% | 24.46% | 24.56% | 60.51% | 58.86% | 37.99% | 29.86% | 0.54% | -5,997 bps | |
| Deposit Growth (YoY) | -5.31% | 3.23% | 14.21% | 38.94% | 37.40% | 32.96% | 26.74% | 3.89% | -3,504 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 | 0.63% | 0.36% | 0.26% | 0.33% | 0.51% | 0.43% | 0.39% | 0.36% | +3 bps | |
| Allowance / Loans | 2.40% | 1.80% | 1.64% | 1.25% | 1.34% | 1.23% | 1.24% | 1.48% | +23 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 | 19.17% | 19.39% | 19.28% | 18.82% | 19.23% | 17.88% | 18.19% | 19.55% | +73 bps | |
| Equity / Assets | 12.48% | 12.07% | 11.65% | 10.57% | 10.74% | 10.71% | 11.00% | 11.50% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.96% | 89.99% | 91.55% | 92.78% | 86.67% | 93.40% | 93.80% | 89.79% | -299 bps | |
| Liquid Assets / Assets | 3.64% | 2.33% | 1.85% | 1.16% | 1.15% | 1.25% | 1.23% | 1.72% | +55 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |