Bellevue, TN · Cert 57271
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 | 0.55% | 0.46% | 0.44% | -0.05% | 0.47% | 0.59% | 0.53% | -0.89% | -84 bps | |
| Return on Equity | 6.17% | 5.46% | 5.38% | -0.58% | 5.73% | 7.51% | 6.84% | -6.84% | -626 bps | |
| Net Interest Margin | 3.31% | 3.36% | 3.21% | 3.25% | 3.06% | 3.10% | 3.21% | -6.46% | -972 bps | |
| Efficiency Ratio | 81.17% | 81.79% | 83.35% | 88.62% | 81.90% | 74.05% | 70.17% | 51.33% | -3,729 bps | |
| Non-Interest Burden | 2.50% | 2.57% | 2.52% | 2.79% | 2.35% | 2.07% | 2.02% | -4.70% | -749 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% | -0.10% | 0.10% | 0.32% | 0.00% | 0.03% | 0.03% | -0.05% | -37 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 |