Chattanooga, TN · Cert 57913
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Chattanooga, TN · Cert 57913
FDIC
Q1 2010
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 1.53% | 0.55% | 0.11% | -0.14% | -1.08% | -1.03% | -0.45% | -55 bps | |
| Return on Equity | 4.29% | 16.79% | 6.11% | 1.22% | -1.58% | -12.42% | -11.53% | -4.71% | -593 bps | |
| Net Interest Margin | 3.06% | 3.44% | 3.39% | 3.07% | 3.15% | 3.21% | 3.24% | 3.41% | +34 bps | |
| Efficiency Ratio | 84.38% | 73.79% | 78.07% | 91.26% | 89.97% | 87.12% | 91.22% | 90.56% | -70 bps | |
| Non-Interest Burden | 2.55% | 2.36% | 2.49% | 2.74% | 2.77% | 2.71% | 2.92% | 3.06% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.72% | 234% | 265% | 237% | 228% | 4.43% | -0.46% | 0.82% | -23,662 bps | |
| Loan Growth (YoY) | 18.64% | 207% | 227% | 210% | 200% | -1.93% | -8.86% | -8.93% | -21,889 bps | |
| Deposit Growth (YoY) | -8.06% | 350% | 407% | 351% | 400% | 6.21% | 0.32% | 0.26% | -35,051 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 | 0.00% | 0.10% | 0.08% | 1.38% | 1.09% | 2.32% | 2.26% | 1.70% | +32 bps | |
| Allowance / Loans | 0.88% | 1.01% | 1.59% | 1.31% | 1.47% | 2.34% | 2.39% | 2.35% | +105 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 | 10.79% | 11.08% | 11.07% | 11.00% | 10.69% | 12.17% | 13.22% | 13.19% | +218 bps | |
| Equity / Assets | 9.42% | 8.58% | 8.65% | 8.61% | 8.52% | 9.07% | 9.65% | 9.34% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 147.67% | 90.34% | 90.67% | 88.26% | 88.63% | 83.41% | 82.37% | 80.17% | -809 bps | |
| Liquid Assets / Assets | 3.94% | 1.50% | 1.65% | 2.13% | 2.33% | 3.09% | 1.33% | 1.42% | -71 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |