Hixson, TN · Cert 26256
FDIC · 6 branches
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Hixson, TN · Cert 26256
FDIC · 6 branches
Q4 2015
Market Position · Chattanooga, TN-GA · 2015 SOD (annual) · 3.7% share · #7 of 28 inst. · $0.3B of $9.0B
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.51% | 0.50% | 0.46% | 0.66% | 0.59% | 0.13% | 0.38% | -8 bps | |
| Return on Equity | 5.88% | 5.57% | 5.40% | 4.97% | 6.92% | 6.24% | 1.44% | 4.08% | -90 bps | |
| Net Interest Margin | 3.61% | 3.62% | 3.69% | 3.76% | 3.82% | 3.78% | 0.52% | 1.55% | -221 bps | |
| Efficiency Ratio | 75.35% | 76.56% | 78.69% | 82.87% | 68.60% | 73.79% | 60.91% | 56.45% | -2,642 bps | |
| Non-Interest Burden | 2.68% | 2.74% | 2.89% | 3.11% | 2.49% | 2.75% | 0.31% | 0.81% | -230 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.46% | -2.97% | -3.25% | -3.18% | -0.17% | 3.80% | 6.18% | 6.08% | +926 bps | |
| Loan Growth (YoY) | 7.49% | 5.91% | 5.00% | 2.05% | 1.05% | 5.98% | 4.92% | 8.31% | +627 bps | |
| Deposit Growth (YoY) | 1.17% | -2.50% | -7.31% | -9.57% | -2.53% | 0.07% | 8.73% | 12.89% | +2,246 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.49% | 0.27% | 0.11% | -0.02% | 0.14% | 0.11% | -0.01% | 0.00% | +3 bps | |
| Allowance / Loans | 1.03% | 1.14% | 1.16% | 1.18% | 1.24% | 1.16% | 0.00% | 0.18% | -101 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 9.61% | 9.45% | 8.68% | 9.05% | n/a | |
| Total Risk-Based Capital | 13.11% | 13.26% | 13.20% | 13.45% | 12.49% | 12.35% | 10.87% | 11.69% | -176 bps | |
| Equity / Assets | 9.17% | 9.36% | 9.52% | 9.57% | 9.44% | 9.15% | 9.06% | 9.27% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.60% | 88.16% | 94.30% | 95.60% | 88.75% | 93.36% | 90.99% | 91.73% | -387 bps | |
| Liquid Assets / Assets | 4.04% | 3.87% | 3.44% | 3.20% | 5.48% | 7.13% | 6.10% | 5.27% | +207 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |