Medina, TN · Cert 10316
FDIC · 3 branches
Q4 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.31% | 0.45% | 0.03% | 0.20% | 0.28% | 0.23% | 1.63%1 | +161 bps | |
| Return on Equity | 1.98% | 2.01% | 2.81% | 0.17% | 1.26% | 1.78% | 1.47% | 10.58% | +1,041 bps | |
| Net Interest Margin | 3.16% | 3.25% | 3.32% | 3.21% | 3.19% | 3.21% | 3.24% | 2.74% | -48 bps | |
| Efficiency Ratio | 89.16% | 89.18% | 86.14% | 94.85% | 91.18% | 89.25% | 92.29% | 117.90% | +2,306 bps | |
| Non-Interest Burden | 2.76% | 2.83% | 2.75% | 3.02% | 2.86% | 2.80% | 2.94% | 3.57% | +55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.62% | 5.16% | 2.32% | 6.37% | 0.64% | 3.02% | 4.79% | 1.75% | -461 bps | |
| Loan Growth (YoY) | 1.78% | 4.33% | 11.51% | 12.86% | 15.62% | 12.68% | 6.61% | 5.84% | -702 bps | |
| Deposit Growth (YoY) | 4.66% | 4.90% | 0.92% | 5.08% | -1.33% | 3.40% | 5.39% | 2.72% | -236 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.13% | 0.22% | 0.06% | -0.03% | 0.69% | 0.15% | -7 bps | |
| Allowance / Loans | 1.73% | 1.69% | 1.67% | 1.60% | 1.58% | 1.59% | 1.50% | 0.61% | -99 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 14.86% | 14.89% | 15.12% | 15.33% | n/a | |
| Total Risk-Based Capital | 29.50% | 29.52% | 29.87% | 28.51% | 26.11% | 25.55% | 25.54% | 29.61% | +110 bps | |
| Equity / Assets | 14.78% | 15.84% | 16.48% | 15.67% | 16.37% | 15.51% | 15.96% | 14.94% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 30.37% | 33.39% | 35.02% | 33.59% | 35.58% | 36.39% | 35.43% | 34.61% | +102 bps | |
| Liquid Assets / Assets | 0.57% | 0.58% | 0.59% | 1.07% | 1.85% | 1.40% | 1.40% | 0.00% | -107 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |