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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.49% | 0.48% | 0.35% | 0.66% | 0.51% | -0.75% | 1.09% | +74 bps | |
| Return on Equity | 5.88% | 5.24% | 5.06% | 3.72% | 6.92% | 5.53% | -8.18% | 11.94% | +822 bps | |
| Net Interest Margin | 3.61% | 3.64% | 3.67% | 3.79% | 3.82% | 3.79% | -5.59% | 4.62% | +83 bps | |
| Efficiency Ratio | 75.35% | 77.77% | 83.21% | 95.56% | 68.60% | 79.70% | 61.89% | 55.03% | -4,053 bps | |
| Non-Interest Burden | 2.68% | 2.81% | 3.06% | 3.62% | 2.49% | 3.04% | -4.26% | 2.31% | -132 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% | 0.04% | -0.19% | -0.43% | 0.14% | 0.10% | -0.25% | 0.03% | +45 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 |