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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.54% | 0.93% | 6.53% | 0.70% | 0.85% | 6.03% | 0.64% | 0.66% | -4 bps | |
| Return on Equity | 26.21% | 15.02% | 77.31% | 6.65% | 8.00% | 53.63% | 5.47% | 5.50% | -115 bps | |
| Net Interest Margin | 3.76% | 3.81% | 3.85% | 3.82% | 3.80% | 3.70% | 3.65% | 3.81% | -1 bps | |
| Efficiency Ratio | 70.69% | 77.13% | 74.35% | 73.95% | 77.89% | 80.07% | 77.78% | 79.21% | +526 bps | |
| Non-Interest Burden | 2.24% | 2.74% | 2.56% | 2.49% | 2.67% | 2.70% | 2.60% | 2.74% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.37% | -0.90% | 0.53% | 1.31% | 4.48% | 9.66% | 6.58% | 5.17% | +385 bps | |
| Loan Growth (YoY) | 3.71% | 3.52% | 4.48% | 4.74% | 3.17% | 3.04% | 2.18% | 4.46% | -28 bps | |
| Deposit Growth (YoY) | -0.63% | -1.94% | -4.91% | -4.38% | -1.03% | 2.99% | 4.96% | 3.45% | +783 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.54% | 2.29% | +229 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.09% | 0.02% | 1.02% | 0.00% | -0.02% | 0.05% | 0.18% | -84 bps | |
| Allowance / Loans | 1.81% | 1.86% | 1.85% | 1.57% | 1.53% | 1.55% | 1.55% | 1.45% | -12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 0.6x | 0.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 6.18% | 6.53% | 10.71% | 10.54% | 10.73% | 12.17% | 12.09% | 12.18% | +163 bps | |
| Total Risk-Based Capital | 10.07% | 10.39% | 16.75% | 16.74% | 17.10% | 19.46% | 19.61% | 19.58% | +284 bps | |
| Equity / Assets | 6.03% | 6.38% | 10.42% | 10.69% | 10.65% | 11.81% | 11.75% | 12.18% | +149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.74% | 69.33% | 69.10% | 70.64% | 70.61% | 69.37% | 67.28% | 71.33% | +69 bps | |
| Liquid Assets / Assets | 19.20% | 17.80% | 9.04% | 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 | n/a | n/a | n/a |