Hendersonville, TN · Cert 57636
FDIC
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.76% | -2.17% | -1.03% | -0.36% | 0.00%1 | 0.13% | 0.06% | -2.22% | -186 bps | |
| Return on Equity | -14.50% | -19.02% | -9.22% | -3.13% | 0.02% | 1.12% | 0.50% | -19.90% | -1,678 bps | |
| Net Interest Margin | 2.51% | 2.58% | 2.60% | 2.76% | 2.81% | 2.89% | 2.80% | 2.54% | -22 bps | |
| Efficiency Ratio | 114.06% | 116.77% | 121.03% | 108.34% | 97.95% | 103.23% | 100.00% | 183.12% | +7,478 bps | |
| Non-Interest Burden | 2.87% | 3.13% | 3.18% | 3.00% | 2.76% | 2.98% | 2.80% | 4.73% | +173 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 | 3.80% | 0.60% | 0.85% | 1.10% | 0.33% | -0.21% | -0.07% | -0.02% | -111 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 |