Bellevue, TN · Cert 57271
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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.
Bellevue, TN · Cert 57271
FDIC
Q4 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.51% | 0.48% | 0.34% | 0.47% | 0.53% | 0.53% | 0.13% | -21 bps | |
| Return on Equity | 6.17% | 5.82% | 5.65% | 4.01% | 5.73% | 6.66% | 6.66% | 1.30% | -271 bps | |
| Net Interest Margin | 3.31% | 3.25% | 3.13% | 3.02% | 3.06% | 3.00% | 2.96% | 0.29% | -273 bps | |
| Efficiency Ratio | 81.17% | 81.49% | 82.12% | 83.82% | 81.90% | 77.85% | 75.14% | 51.33% | -3,249 bps | |
| Non-Interest Burden | 2.50% | 2.48% | 2.41% | 2.39% | 2.35% | 2.14% | 2.02% | 0.13% | -227 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 41.34% | 33.15% | 27.13% | 25.35% | 20.69% | 24.04% | 24.06% | 36.44% | +1,109 bps | |
| Loan Growth (YoY) | 24.78% | 23.17% | 18.73% | 26.01% | 26.19% | 28.65% | 32.26% | 29.83% | +382 bps | |
| Deposit Growth (YoY) | 35.83% | 36.58% | 28.41% | 25.69% | 16.87% | 19.65% | 18.01% | 15.97% | -972 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 | 0.02% | -0.04% | 0.01% | 0.09% | 0.00% | 0.01% | 0.02% | 0.00% | -9 bps | |
| Allowance / Loans | 1.15% | 1.16% | 1.07% | 1.11% | 1.06% | 1.05% | 1.06% | 1.04% | -6 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 | 11.14% | 10.94% | 10.22% | 10.42% | 10.33% | 10.32% | 10.18% | 10.11% | -31 bps | |
| Equity / Assets | 8.66% | 8.32% | 8.18% | 8.22% | 8.19% | 7.62% | 8.00% | 17.26% | +904 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.00% | 81.37% | 83.83% | 85.93% | 88.53% | 87.49% | 93.95% | 96.19% | +1,027 bps | |
| Liquid Assets / Assets | 1.81% | 1.60% | 0.49% | 0.48% | 0.51% | 0.44% | 0.39% | 0.85% | +37 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |