• Reg F Update - header

Financial Highlights for Reg F Compliance

Financial Highlights for Reg F Compliance
  3rd Quarter 2014 4th Quarter 2014 1st Quarter 2015 2nd Quarter 2015
CAPITAL RATIOS
Total Risk Based Capital (%) 18.34% 17.86% 14.50% 14.44%
Tier I Risk Based Capital (%) 16.57% 16.12% 12.95% 13.18%
Leverage Ratio (%) 13.41% 12.72% 10.57% 10.96%
PROFITABILITY
Net Income (in thousands) YTD $198,672 $257,368 ($64,490) ($1,164)
Return on Average Assets YTD 1.13% 1.08% -1.03% -.01%
Return on Average Equity YTD 8.47% 8.18% -8.43%% -0.08%
Net Interest Margin YTD 3.02% 2.99% 2.86% 2.92%
ASSET QUALITY (Excludes Loans Held for Sale)
Nonperforming Loans (incl. 90+ days past due)/Total Loans 1.53% 1.41% 1.36% 1.33%
Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans 1.90% 1.72% 1.66% 1.62%
Nonperforming assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate 1.75% 1.59% 1.54% 1.50%
Loan Loss Reserve/Total Loans 1.50% 1.43% 1.36% 1.30%
Reserve Coverage of Nonperforming Loans 0.98x 1.01x 1.00x 0.98x
Net Charge-off Ratio (Annualized net charge-offs to average total loans) .28% .30% .23% .21%
AVERAGE BALANCE SHEET
Total Assets (in millions) $23,569 $24,375 $25,383 $25,161
Total Loans (in millions) $16,079 $16,010 $16,259 $16,917
Earning Assets (in millions) $21,746 $22,514 $23,506 $23,266
Deposits (in millions) $15,983 $17,207 $18,354 $18,693
Shareholders' Equity (in millions) $3,180 $3,179 $3,104 $3,037
GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) $12,735 $9,492 $10,096 $11,159
Credit Rating S&P Moody's Fitch
Long-term Issuer BBB- A3 BBB-
Short-term/Commercial Paper A-3 P-2 F3
Certificate of Deposit - A3 BBB
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