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Reelfoot Bank

Union City, TN · Cert 9199

FDIC · 5 branches

Q4 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: Q4 2016, the quarter ended December 31, 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

Reelfoot Bank

Union City, TN · Cert 9199

FDIC · 5 branches

Q4 2016

$152.5MAssets
$78.2MLoans
$134.6MDeposits
$16.4MEquity
Loan mix
61%RE $37.4M25%C&I $15.4M14%Consumer $8.7MQ4 2015Q4 2016
Deposit mix
83%Interest-bearing $112.3M17%Noninterest $22.3MQ4 2015Q4 2016

NIM

3.84%Q4 ’143.76%Q4 ’153.62%Q4 ’16-1%-4%

Non-interest income vs. expense

3.45%Q4 ’143.49%Q4 ’153.25%Q4 ’16+22%-8%

Executive Summary

  • Earnings: ROA of 0.72%, up 16 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 10.91%, up 14 bps from a year ago.
  • Funding: loans stand at 58.04% of deposits as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

0.72%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.25%-13 bps YoY

Efficiency Ratio (YTD, annualized)

78.46%-257 bps YoY

Tier 1 Leverage Ratio

10.91%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.56%0.56%0.57%0.58%0.72%+16 bps
Return on Equity5.35%5.25%5.32%5.42%6.72%+138 bps
Net Interest Margin3.38%3.33%3.36%3.38%3.25%-13 bps
Efficiency Ratio81.03%78.86%79.27%78.99%78.46%-257 bps
Non-Interest Burden2.56%2.43%2.48%2.48%2.36%-20 bps
Growth
Asset Growth (YoY)2.78%4.36%4.17%6.62%-0.35%-313 bps
Loan Growth (YoY)5.30%2.02%1.44%-1.44%-8.17%-1,347 bps
Deposit Growth (YoY)2.70%4.65%3.74%6.94%-0.54%-324 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.33%-0.64%-0.32%-0.21%-0.04%+29 bps
Allowance / Loans2.68%2.93%2.93%2.97%2.96%+28 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.77%10.68%10.77%10.87%10.91%+14 bps
Total Risk-Based Capital17.92%18.39%18.42%18.58%19.54%+162 bps
Equity / Assets10.52%10.66%10.92%10.66%10.75%+23 bps
Liquidity & Funding
Loans / Deposits62.86%60.24%61.07%57.97%58.04%-482 bps
Liquid Assets / Assets2.52%2.42%2.60%2.44%2.60%+9 bps
CRE / Total Capitaln/an/an/an/an/an/an/a