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Civic Bank & Trust

Nashville, TN · Cert 58040

FDIC · 2 branches

Q1 2018

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: Q1 2018, the quarter ended March 31, 2018, 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

Civic Bank & Trust

Nashville, TN · Cert 58040

FDIC · 2 branches

Q1 2018

$159.7MAssets
$96.9MLoans
$123.1MDeposits
$23.5MEquity
Loan mix
84%RE $72.2M14%C&I $12.1M2%Consumer $1.4MQ1 2017Q1 2018
Deposit mix
94%Interest-bearing $115.5M6%Noninterest $7.6MQ1 2017Q1 2018

NIM

4.09%Q1 ’164.24%Q1 ’174.57%Q1 ’18+3%+4%

Non-interest income vs. expense

3.14%Q1 ’162.38%Q1 ’173.89%Q1 ’18-24%+65%

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2017 SOD (annual) · 0.2% share · #42 of 64 inst. · $0.1B of $57.4B

0.3% Davidson
0.1% Williamson

Executive Summary

  • Earnings: ROA of -0.44%, down 430 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.00% of loans (-48 bps YoY), with net charge-offs at 0.57%.
  • Capital: tier 1 leverage ratio of 14.68%, up 110 bps from a year ago.
  • Funding: loans stand at 78.71% of deposits as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

-0.44%-430 bps YoY

Net Interest Margin (YTD, annualized)

3.51%+13 bps YoY

Efficiency Ratio (YTD, annualized)

108.85%+3,985 bps YoY

Tier 1 Leverage Ratio

14.68%+110 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets3.86%2.37%1.83%1.44%-0.44%-430 bps
Return on Equity29.39%17.50%13.28%10.32%-3.00%-3,240 bps
Net Interest Margin3.38%3.43%3.45%3.43%3.51%+13 bps
Efficiency Ratio69.01%65.76%65.87%65.78%108.85%+3,985 bps
Non-Interest Burden2.31%2.23%2.25%2.23%3.83%+151 bps
Growth
Asset Growth (YoY)22.76%6.70%1.89%-1.81%-8.27%-3,103 bps
Loan Growth (YoY)36.29%7.23%-4.48%-2.71%-20.48%-5,677 bps
Deposit Growth (YoY)23.42%3.72%5.39%1.81%-3.30%-2,672 bps
Asset Quality
Nonperforming Loans / Loans0.48%0.00%0.00%0.00%0.00%-48 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%-0.01%0.57%+59 bps
Allowance / Loans1.25%1.32%1.33%1.29%1.49%+24 bps
Allowance Coverage of NPLs2.6xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.58%13.78%14.22%14.34%14.68%+110 bps
Total Risk-Based Capital19.05%20.49%18.83%18.64%20.86%+181 bps
Equity / Assets13.36%14.39%14.36%14.56%14.72%+136 bps
Liquidity & Funding
Loans / Deposits95.71%97.36%92.26%95.73%78.71%-1,700 bps
Liquid Assets / Assets0.76%0.81%0.77%0.76%0.77%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a