Hendersonville, TN · Cert 57636
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 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.
Hendersonville, TN · Cert 57636
FDIC
Q2 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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.75% | -1.11% | -1.03% | -0.70% | -0.47% | -0.32% | 0.06% | -1.08% | -37 bps | |
| Return on Equity | -6.03% | -9.14% | -9.22% | -6.15% | -4.11% | -2.81% | 0.50% | -9.64% | -348 bps | |
| Net Interest Margin | 2.45% | 2.44% | 2.60% | 2.74% | 2.79% | 2.76% | 2.80% | 2.65% | -10 bps | |
| Efficiency Ratio | 112.89% | 114.09% | 121.03% | 114.65% | 109.39% | 107.84% | 100.00% | 140.56% | +2,591 bps | |
| Non-Interest Burden | 2.78% | 2.81% | 3.18% | 3.16% | 3.05% | 2.97% | 2.80% | 3.75% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.79% | 3.59% | -1.90% | -4.64% | -5.46% | -2.53% | -0.72% | 3.34% | +799 bps | |
| Loan Growth (YoY) | -7.23% | -6.74% | -12.99% | -14.23% | -5.40% | -5.75% | 2.97% | -1.10% | +1,313 bps | |
| Deposit Growth (YoY) | 7.10% | 13.81% | 10.41% | 3.35% | 1.66% | 0.83% | -0.91% | 4.08% | +72 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 | 2.14% | 1.76% | 0.85% | 0.97% | 0.74% | 0.50% | -0.07% | -0.05% | -102 bps | |
| Allowance / Loans | 1.25% | 1.71% | 1.86% | 1.62% | 1.60% | 1.58% | 1.58% | 1.64% | +2 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 | 16.39% | 16.01% | 16.95% | 17.26% | 16.78% | 17.01% | 16.94% | 16.72% | -54 bps | |
| Equity / Assets | 11.66% | 11.13% | 11.23% | 11.98% | 11.45% | 11.20% | 11.44% | 10.88% | -110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.31% | 78.77% | 71.44% | 76.01% | 75.65% | 73.63% | 74.24% | 72.23% | -378 bps | |
| Liquid Assets / Assets | 6.99% | 3.16% | 5.89% | 1.34% | 6.02% | 7.44% | 7.07% | 8.64% | +730 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |