Waynesboro, TN · Cert 2375
FDIC · 5 branches
Q2 2020
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 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.69% | 1.64% | 1.58% | 1.03% | 0.68% | -101 bps | |
| Return on Equity | 12.94% | 12.48% | 12.02% | 7.88% | 5.25% | -769 bps | |
| Net Interest Margin | 4.55% | 4.58% | 4.47% | 4.29% | 3.96% | -58 bps | |
| Efficiency Ratio | 55.22% | 56.66% | 58.58% | 64.92% | 72.76% | +1,754 bps | |
| Non-Interest Burden | 2.03% | 2.19% | 2.28% | 2.58% | 2.66% | +64 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.63% | 4.24% | 5.35% | 2.94% | 8.35% | +373 bps | |
| Loan Growth (YoY) | 6.17% | 1.86% | -3.70% | -3.25% | -0.74% | -691 bps | |
| Deposit Growth (YoY) | 4.53% | 3.99% | 5.29% | 3.21% | 8.97% | +444 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.00% | 0.86% | 0.33% | 0.45% | 0.33% | -66 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.10% | 0.35% | 0.04% | 0.04% | 0 bps | |
| Allowance / Loans | 1.76% | 1.73% | 1.47% | 1.59% | 1.78% | +2 bps | |
| Allowance Coverage of NPLs | 1.8x | 2.0x | 4.4x | 3.5x | 5.3x | +3.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.96% | 13.47% | 13.06% | 13.23% | 12.72% | -24 bps | |
| Total Risk-Based Capital | 18.65% | 19.67% | 20.16% | 20.47% | 20.99% | +234 bps | |
| Equity / Assets | 13.00% | 13.44% | 13.12% | 12.95% | 12.57% | -42 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.64% | 80.88% | 78.92% | 77.43% | 73.45% | -718 bps | |
| Liquid Assets / Assets | 11.05% | 10.83% | 12.18% | 13.52% | 21.87% | +1,082 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |