• Reg F Update - header

Financial Highlights for Reg F Compliance

Financial Highlights for Reg F Compliance
  2nd Quarter 2014 3rd Quarter 2014 4th Quarter 2014 1st Quarter 2015
CAPITAL RATIOS
Total Risk Based Capital (%) 18.26% 18.34% 17.86% 14.50%
Tier I Risk Based Capital (%) 16.50% 16.57% 16.12% 12.95%
Leverage Ratio (%) 13.56% 13.41% 12.72% 10.57%
PROFITABILITY
Net Income (in thousands) YTD $140,570 $198,672 $257,368 ($64,490)
Return on Average Assets YTD 1.20% 1.13% 1.08% -1.03%
Return on Average Equity YTD 9.10% 8.47% 8.18% -8.43%%
Net Interest Margin YTD 3.01% 3.02% 2.99% 2.86%
ASSET QUALITY (Excludes Loans Held for Sale)
Nonperforming Loans (incl. 90+ days past due)/Total Loans 1.66% 1.53% 1.41% 1.36%
Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans 2.05% 1.90% 1.72% 1.66%
Nonperforming assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate 1.90% 1.75% 1.59% 1.54%
Loan Loss Reserve/Total Loans 1.54% 1.50% 1.43% 1.36%
Reserve Coverage of Nonperforming Loans .92x .98x 1.01x 1.00x
Net Charge-off Ratio (Annualized net charge-offs to average total loans) .22% .28% .30% .23%
AVERAGE BALANCE SHEET
Total Assets (in millions) $23,428 $23,569 $24,375 $25,383
Total Loans (in millions) $15,735 $16,079 $16,010 $16,259
Earning Assets (in millions) $21,561 $21,746 $22,514 $23,506
Deposits (in millions) $16,208 $15,983 $17,207 $18,354
Shareholders' Equity (in millions) $3,138 $3,180 $3,179 $3,104
GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) $18,771 $12,735 $9,492 $10,096
Credit Rating S&P Moody's Fitch
Long-term Issuer BBB- Baa2 BBB-
Short-term/Commercial Paper A-3 P-2 F3
Certificate of Deposit - Baa2 BBB
  • SPECIALTY SERVICES PRODUCTS

  • Strengthen your customer relationships

Federal Deposit Insurance Corporation Banking products and services are provided by First Tennessee Bank National Association. Member FDIC. Logo_Equal_Housing_LG Equal Housing Lender.