Athens, TN · Cert 29085
FDIC · 10 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Athens, TN · Cert 29085
FDIC · 10 branches
Q3 2018
Market Position · Cleveland, TN · 2018 SOD (annual) · 1.7% share · #12 of 16 inst. · $0.0B of $1.9B
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 1.00% | 0.96% | 0.99% | 0.97% | 1.37% | 1.47% | 0.69% | -30 bps | |
| Return on Equity | 7.43% | 9.12% | 8.78% | 9.05% | 8.96% | 13.44% | 14.17% | 6.47% | -258 bps | |
| Net Interest Margin | 3.59% | 3.51% | 3.53% | 3.62% | 3.68% | 4.01% | 4.12% | 4.24% | +62 bps | |
| Efficiency Ratio | 72.45% | 64.65% | 66.07% | 66.02% | 67.27% | 63.05% | 61.82% | 81.27% | +1,526 bps | |
| Non-Interest Burden | 2.30% | 1.78% | 1.94% | 2.01% | 2.11% | 2.14% | 2.13% | 3.24% | +123 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 35.89% | 39.42% | 11.21% | 8.94% | 5.65% | 5.79% | 3.26% | 0.44% | -850 bps | |
| Loan Growth (YoY) | 10.50% | 12.49% | 8.59% | 7.80% | 11.69% | 11.01% | 11.41% | 14.13% | +633 bps | |
| Deposit Growth (YoY) | 43.00% | 48.48% | 12.76% | 10.08% | 7.00% | 6.29% | 3.29% | -0.02% | -1,010 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.42% | 0.30% | 0.32% | 0.33% | 0.28% | 0.27% | 0.29% | -3 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.06% | 0.07% | 0.06% | 0.06% | 0.02% | 0.02% | 0.03% | -4 bps | |
| Allowance / Loans | 1.43% | 1.42% | 1.41% | 1.41% | 1.23% | 1.19% | 1.17% | 1.16% | -26 bps | |
| Allowance Coverage of NPLs | n/a | 3.4x | 4.7x | 4.4x | 3.7x | 4.2x | 4.3x | 4.0x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.07% | 10.06% | 10.03% | 10.31% | 9.73% | 9.78% | 10.06% | 11.09% | +77 bps | |
| Total Risk-Based Capital | 18.48% | 16.94% | 16.85% | 17.24% | 15.49% | 14.12% | 14.29% | 15.22% | -203 bps | |
| Equity / Assets | 11.43% | 10.50% | 10.75% | 10.90% | 10.34% | 10.07% | 10.64% | 11.56% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.99% | 75.33% | 76.45% | 75.66% | 79.32% | 78.67% | 82.46% | 86.37% | +1,071 bps | |
| Liquid Assets / Assets | 8.74% | 11.05% | 6.80% | 7.30% | 3.20% | 4.11% | 1.52% | 0.90% | -640 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |