Medina, TN · Cert 10316
FDIC · 3 branches
Q4 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| 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% | 0.30% | 0.35% | 0.27% | 0.20% | 0.24% | 0.24% | 0.59%1 | +32 bps | |
| Return on Equity | 1.98% | 1.99% | 2.28% | 1.73% | 1.26% | 1.53% | 1.50% | 3.76% | +203 bps | |
| Net Interest Margin | 3.16% | 3.21% | 3.29% | 3.16% | 3.19% | 3.20% | 3.23% | 3.08% | -8 bps | |
| Efficiency Ratio | 89.16% | 89.17% | 88.12% | 89.81% | 91.18% | 90.22% | 90.91% | 98.73% | +892 bps | |
| Non-Interest Burden | 2.76% | 2.80% | 2.82% | 2.77% | 2.86% | 2.83% | 2.88% | 3.03% | +25 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% | 0.02% | 0.05% | 0.09% | 0.06% | 0.01% | 0.24% | 0.21% | +12 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 |