PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Union NB of Tennessee

Nashville, TN · Cert 19879

FDIC

Q2 1997

$3.2BAssets
$1.3BLoans
$1.8BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.36%, down 43 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 75.28% of deposits as of Q2 1997.

Return on Assets (YTD, annualized)

1.36%-43 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997YoY ΔTrend
Earnings
Return on Assets1.41%1.59%1.96%1.79%1.88%1.82%1.30%1.36%-43 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)9.76%12.47%20.88%66.69%62.28%35.85%22.69%-3.67%-7,036 bps
Loan Growth (YoY)15.56%12.58%10.69%2.46%7.46%5.44%6.24%12.60%+1,014 bps
Deposit Growth (YoY)3.67%-0.48%0.59%4.38%2.97%1.25%-1.44%-1.06%-544 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits68.44%70.00%69.26%66.14%71.43%72.89%74.66%75.28%+913 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a