Trenton, TN · Cert 1701
FDIC · 3 branches
Q2 2017
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2017 SOD (annual) · 0.1% share · #53 of 64 inst. · $0.0B of $57.4B
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.60% | 2.67% | 3.53% | 0.64% | 0.65% | -295 bps | |
| Return on Equity | 39.10% | 27.83% | 35.15% | 5.47% | 5.49% | -3,361 bps | |
| Net Interest Margin | 3.77% | 3.77% | 3.69% | 3.65% | 3.72% | -6 bps | |
| Efficiency Ratio | 74.14% | 75.42% | 76.60% | 77.78% | 78.53% | +438 bps | |
| Non-Interest Burden | 2.48% | 2.54% | 2.54% | 2.60% | 2.66% | +18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.31% | 4.48% | 9.66% | 6.58% | 5.17% | +385 bps | |
| Loan Growth (YoY) | 4.74% | 3.17% | 3.04% | 2.18% | 4.46% | -28 bps | |
| Deposit Growth (YoY) | -4.38% | -1.03% | 2.99% | 4.96% | 3.45% | +783 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 2.54% | 2.29% | +229 bps | |
| Net Charge-Offs / Loans | 0.52% | 0.33% | 0.25% | 0.05% | 0.11% | -40 bps | |
| Allowance / Loans | 1.57% | 1.53% | 1.55% | 1.55% | 1.45% | -12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 0.6x | 0.6x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.54% | 10.73% | 12.17% | 12.09% | 12.18% | +163 bps | |
| Total Risk-Based Capital | 16.74% | 17.10% | 19.46% | 19.61% | 19.58% | +284 bps | |
| Equity / Assets | 10.69% | 10.65% | 11.81% | 11.75% | 12.18% | +149 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.64% | 70.61% | 69.37% | 67.28% | 71.33% | +69 bps | |
| Liquid Assets / Assets | 7.39% | 9.00% | 9.94% | 12.51% | 7.97% | +58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |