Mount Juliet, TN · Cert 57152
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 | 0.69% | 0.77% | -1.13% | 0.61% | 0.68% | 0.77% | 0.90% | -1.94% | -255 bps | |
| Return on Equity | 7.33% | 7.61% | -9.19% | 4.37% | 5.18% | 6.07% | 6.90% | -12.54% | -1,691 bps | |
| Net Interest Margin | 3.43% | 3.43% | -5.52% | 3.32% | 2.96% | 3.11% | 3.28% | -7.06% | -1,038 bps | |
| Efficiency Ratio | 68.64% | 69.54% | 71.35% | 66.52% | 64.04% | 60.54% | 59.29% | 58.82% | -770 bps | |
| Non-Interest Burden | 2.16% | 2.23% | -3.51% | 2.14% | 1.84% | 1.77% | 1.85% | -4.18% | -632 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 40.12% | 14.02% | 18.78% | 17.93% | 23.97% | 21.80% | 12.71% | 28.03% | +1,010 bps | |
| Loan Growth (YoY) | 31.34% | 9.85% | 13.12% | 16.02% | 27.08% | 26.15% | 21.85% | 19.14% | +312 bps | |
| Deposit Growth (YoY) | 41.17% | 15.21% | 13.59% | 14.11% | 21.88% | 18.78% | 13.61% | 23.64% | +953 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% | -0.03% | 0.09% | 0.03% | 0.04% | 0.06% | 0.16% | -0.14% | -17 bps | |
| Allowance / Loans | 1.17% | 1.17% | 1.10% | 1.11% | 1.03% | 1.06% | 1.03% | 1.03% | -8 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 | 11.57% | 12.22% | 12.82% | 12.32% | 11.74% | 11.88% | 12.23% | 10.42% | -189 bps | |
| Equity / Assets | 9.86% | 10.27% | 14.22% | 13.71% | 12.43% | 12.80% | 13.32% | 17.28% | +356 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.50% | 80.12% | 83.20% | 83.68% | 81.85% | 85.09% | 89.23% | 80.63% | -305 bps | |
| Liquid Assets / Assets | 2.46% | 2.47% | 2.32% | 2.21% | 1.97% | 2.02% | 2.06% | 2.67% | +47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |