New Tazewell, TN · Cert 1695
FDIC · 3 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
New Tazewell, TN · Cert 1695
FDIC · 3 branches
Q4 2017
Market Position · Morristown, TN · 2017 SOD (annual) · 2.9% share · #12 of 13 inst. · $0.0B of $1.5B
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 1.05% | 0.91% | 0.73% | 0.73% | 0.87% | 1.03% | 0.11% | -62 bps | |
| Return on Equity | 3.51% | 12.05% | 10.36% | 8.52% | 9.30% | 10.95% | 12.75% | 1.34% | -717 bps | |
| Net Interest Margin | 3.98% | 4.09% | 4.09% | 4.05% | 3.89% | 3.95% | 3.98% | 4.09% | +4 bps | |
| Efficiency Ratio | 88.95% | 77.71% | 79.12% | 81.18% | 79.26% | 75.70% | 73.47% | 93.62% | +1,244 bps | |
| Non-Interest Burden | 3.48% | 2.96% | 3.07% | 3.17% | 2.97% | 2.86% | 2.79% | 3.80% | +63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.63% | 4.42% | 5.12% | 17.18% | 15.21% | 21.02% | 15.22% | 2.91% | -1,427 bps | |
| Loan Growth (YoY) | 11.49% | 10.30% | 11.53% | 18.57% | 19.67% | 19.41% | 16.65% | 7.41% | -1,116 bps | |
| Deposit Growth (YoY) | 6.89% | 5.84% | 4.88% | 16.89% | 15.48% | 22.05% | 10.96% | 3.18% | -1,371 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.09% | 0.75% | 0.80% | 0.79% | +79 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.05% | 0.13% | 0.09% | 0.01% | 0.11% | 0.09% | 0.02% | -7 bps | |
| Allowance / Loans | 1.18% | 1.18% | 1.14% | 1.12% | 1.13% | 1.12% | 1.14% | 1.18% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 1.0x | 1.5x | 1.4x | 1.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.41% | 8.72% | 8.77% | 8.58% | 8.16% | 8.23% | 8.45% | 7.59% | -100 bps | |
| Total Risk-Based Capital | 11.79% | 11.80% | 12.22% | 11.24% | 10.98% | 11.45% | 11.60% | 10.60% | -64 bps | |
| Equity / Assets | 8.29% | 9.12% | 8.86% | 8.00% | 7.78% | 8.05% | 8.36% | 7.63% | -38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.48% | 98.02% | 95.35% | 96.77% | 93.76% | 95.90% | 100.25% | 100.74% | +397 bps | |
| Liquid Assets / Assets | 5.13% | 0.77% | 2.34% | 0.70% | 3.46% | 1.64% | 2.07% | 1.20% | +50 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |