Crossville, TN · Cert 18364
FDIC · 4 branches
Q1 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.71% | 0.69% | 0.95% | 0.66% | -2 bps | |
| Return on Equity | 8.86% | 9.28% | 9.00% | 12.48% | 8.61% | -25 bps | |
| Net Interest Margin | 2.31% | 2.28% | 2.31% | 2.32% | 2.33% | +2 bps | |
| Efficiency Ratio | 73.01% | 72.72% | 72.98% | 63.62% | 73.52% | +51 bps | |
| Non-Interest Burden | 1.50% | 1.43% | 1.49% | 1.23% | 1.54% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.77% | 1.57% | 2.50% | 3.25% | 2.73% | -5 bps | |
| Loan Growth (YoY) | 6.37% | 8.39% | 10.29% | 8.31% | 0.57% | -580 bps | |
| Deposit Growth (YoY) | 2.55% | 1.29% | 2.51% | 3.12% | 2.77% | +22 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.01% | 0.14% | 0.13% | 0.63% | +40 bps | |
| Allowance / Loans | 1.14% | 1.17% | 1.16% | 1.20% | 1.11% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.81% | 7.78% | 7.77% | 7.82% | 7.86% | +5 bps | |
| Total Risk-Based Capital | 22.48% | 20.56% | 21.06% | 21.46% | 21.66% | -82 bps | |
| Equity / Assets | 7.63% | 7.71% | 7.61% | 7.57% | 7.64% | +1 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.02% | 47.12% | 47.22% | 46.11% | 45.03% | -99 bps | |
| Liquid Assets / Assets | 16.79% | 19.57% | 20.12% | 17.29% | 18.08% | +128 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |