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Franklin County United Bank

Decherd, TN · Cert 57851

FDIC · 2 branches

Q2 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Franklin County United Bank

Decherd, TN · Cert 57851

FDIC · 2 branches

Q2 2016

$76.9MAssets
$54.3MLoans
$66.7MDeposits
$9.9MEquity
Loan mix
85%RE $40.1M12%C&I $5.7M3%Consumer $1.5MQ2 2015Q2 2016
Deposit mix
85%Interest-bearing $56.5M15%Noninterest $10.2MQ2 2015Q2 2016

NIM

4.78%Q2 ’144.35%Q2 ’154.49%Q2 ’16-7%+7%

Non-interest income vs. expense

3.51%Q2 ’143.56%Q2 ’153.54%Q2 ’16+13%-10%

Executive Summary

  • Earnings: ROA of 0.64%, up 82 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.07%.
  • Capital: tier 1 leverage ratio of 11.23%, up 9 bps from a year ago.
  • Funding: loans stand at 81.44% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

0.64%+82 bps YoY

Net Interest Margin (YTD, annualized)

4.07%+27 bps YoY

Efficiency Ratio (YTD, annualized)

77.80%-1,090 bps YoY

Tier 1 Leverage Ratio

11.23%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets-0.19%-0.46%-0.35%0.63%0.64%+82 bps
Return on Equity-1.60%-3.90%-2.96%5.02%5.03%+663 bps
Net Interest Margin3.79%3.87%4.11%4.15%4.07%+27 bps
Efficiency Ratio88.70%100.26%86.71%78.23%77.80%-1,090 bps
Non-Interest Burden3.32%3.86%3.43%3.07%2.99%-33 bps
Growth
Asset Growth (YoY)-4.58%-4.79%-10.49%-10.47%-7.95%-337 bps
Loan Growth (YoY)-11.22%-13.08%-10.04%-3.34%-6.91%+432 bps
Deposit Growth (YoY)-5.38%-5.21%-11.25%-11.41%-9.14%-376 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans5.37%4.25%3.02%-0.11%-0.07%-544 bps
Allowance / Loans2.85%2.74%3.58%3.65%3.90%+105 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.14%11.03%10.90%11.08%11.23%+9 bps
Total Risk-Based Capital16.33%16.49%15.90%15.89%17.51%+118 bps
Equity / Assets11.80%11.85%12.38%12.81%12.90%+110 bps
Liquidity & Funding
Loans / Deposits79.49%79.60%86.45%87.46%81.44%+195 bps
Liquid Assets / Assets7.12%5.92%3.98%3.71%10.85%+373 bps
CRE / Total Capitaln/an/an/an/an/an/an/a