• Reg F Update - header

Financial Highlights for Reg F Compliance

Financial Highlights for Reg F Compliance
  1st Quarter 2013 2nd Quarter 2013 3rd Quarter 2013 4th Quarter 2013
CAPITAL RATIOS
Total Risk Based Capital (%) 17.49% 17.25% 17.64% 18.31%
Tier I Risk Based Capital (%) 14.95% 14.98% 15.29% 15.95%
Leverage Ratio (%) 12.09% 12.50% 12.21% 12.70%
PROFITABILITY
Net Income (in thousands) YTD $52,999 $107,725 $13,713 $76,306
Return on Average Assets YTD .87% .89% .08% .32%
Return on Average Equity YTD 7.03% 7.10% 0.60% 2.52%
Net Interest Margin YTD 3.07% 3.05% 3.04% 3.04%
ASSET QUALITY (Excludes Loans Held for Sale)
Nonperforming Loans (incl. 90+ days past due)/Total Loans 1.86% 2.13% 2.09% 1.88%
Total Nonperforming and Past Due Loans (30-89 days past due)/Total Loans 2.28% 2.56% 2.48% 2.34%
Nonperforming assets (incl. 90+ days past due)/Total Loans and Foreclosed Real Estate 2.06% 2.44% 2.40% 2.17%
Loan Loss Reserve/Total Loans 1.66% 1.61% 1.65% 1.64%
Reserve Coverage of Nonperforming Loans 0.89x 0.76x .79x .87x
Net Charge-off Ratio (Annualized net charge-offs to average total loans) .67% .46% .41% .44%
AVERAGE BALANCE SHEET
Total Assets (in millions) $24,761 $24,295 $23,956 $23,601
Total Loans (in millions) $16,487 $16,280 $16,027 $15,639
Earning Assets (in millions) $22,377 $21,982 $21,624 $21,340
Deposits (in millions) $16,554 $16,436 $17,552 $16,393
Shareholders' Equity (in millions) $3,059 $3,057 $2,993 $3,010
GNMA Repurchased Loans (included in OREO/excluded from Asset Quality Ratios) (in thousands) $22,017 $18,560 $21,596 $25,809
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.