Henderson, TN · Cert 19813
FDIC · 4 branches
Q2 2019
Market Position · Jackson, TN · 2019 SOD (annual) · 2.0% share · #11 of 21 inst. · $0.1B of $3.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.54% | 1.00% | 1.05% | -0.41% | 1.41% | 0.86% | 0.71% | -35 bps | |
| Return on Equity | 7.43% | 4.93% | 9.63% | 10.26% | -3.97% | 13.57% | 7.94% | 6.15% | -411 bps | |
| Net Interest Margin | 3.40% | 3.44% | 3.68% | 3.55% | 3.60% | 3.39% | 3.32% | 3.27% | -28 bps | |
| Efficiency Ratio | 73.15% | 80.99% | 69.42% | 67.54% | 71.94% | 62.76% | 69.81% | 75.82% | +828 bps | |
| Non-Interest Burden | 2.35% | 2.70% | 2.40% | 2.23% | 2.43% | 1.78% | 2.17% | 2.36% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.52% | 1.15% | 0.01% | 0.55% | 0.26% | 1.98% | 1.89% | 0.15% | -40 bps | |
| Loan Growth (YoY) | -5.36% | -4.38% | -5.64% | -3.90% | -0.53% | -4.06% | 0.21% | 1.81% | +572 bps | |
| Deposit Growth (YoY) | -1.25% | 1.04% | 0.21% | 1.20% | 0.28% | 1.78% | 0.96% | -1.45% | -264 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.50% | 0.59% | 0.09% | 1.94% | 1.87% | 2.03% | 2.14% | 2.00% | +6 bps | |
| Net Charge-Offs / Loans | 0.23% | 0.27% | 0.07% | -0.10% | 4.62% | 0.05% | -0.02% | -2.33% | -224 bps | |
| Allowance / Loans | 0.90% | 0.84% | 0.89% | 0.92% | 0.93% | 0.99% | 1.03% | 1.59% | +67 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.4x | 9.5x | 0.5x | 0.5x | 0.5x | 0.5x | 0.8x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.87% | 10.86% | 10.87% | 11.25% | 10.92% | 11.06% | 11.49% | 11.65% | +41 bps | |
| Total Risk-Based Capital | 26.95% | 26.86% | 27.23% | 27.65% | 23.52% | 23.68% | 23.59% | 25.69% | -196 bps | |
| Equity / Assets | 11.12% | 10.72% | 10.14% | 10.41% | 10.23% | 10.55% | 11.04% | 11.91% | +150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.99% | 41.00% | 37.89% | 39.63% | 41.65% | 38.64% | 37.60% | 40.94% | +131 bps | |
| Liquid Assets / Assets | 21.39% | 19.47% | 19.98% | 20.86% | 19.47% | 18.54% | 17.98% | 15.73% | -513 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |