Clarksville, TN · Cert 30698
FDIC · 9 branches
Q1 2020
Market Position · Clarksville, TN-KY · 2019 SOD (annual) · 10.2% share · #3 of 16 inst. · $0.4B of $4.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 1.05% | 1.07% | -0.42% | -1.06% | -198 bps | |
| Return on Equity | 8.55% | 9.75% | 10.09% | -4.06% | -10.39% | -1,894 bps | |
| Net Interest Margin | 3.89% | 3.82% | 3.87% | 3.74% | 3.98% | +9 bps | |
| Efficiency Ratio | 68.52% | 66.90% | 65.14% | 110.84% | 129.84% | +6,132 bps | |
| Non-Interest Burden | 2.52% | 2.36% | 2.30% | 4.21% | 5.37% | +285 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.81% | 15.02% | 15.89% | 10.92% | 7.68% | -813 bps | |
| Loan Growth (YoY) | 16.75% | 15.79% | 13.05% | 11.86% | 10.92% | -583 bps | |
| Deposit Growth (YoY) | 16.82% | 18.60% | 24.07% | 16.57% | 10.67% | -614 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.06% | 0.96% | 0.90% | 0.92% | 1.04% | -2 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.07% | 0.10% | 0.21% | 0.19% | -1 bps | |
| Allowance / Loans | 0.89% | 0.89% | 0.87% | 0.79% | 0.83% | -6 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 1.0x | 0.9x | 0.8x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.91% | 10.89% | 10.79% | 10.15% | 10.12% | -79 bps | |
| Total Risk-Based Capital | 12.42% | 12.18% | 12.96% | 11.33% | 11.22% | -120 bps | |
| Equity / Assets | 10.74% | 10.81% | 10.44% | 10.19% | 10.21% | -53 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 106.11% | 105.55% | 102.20% | 105.33% | 106.34% | +24 bps | |
| Liquid Assets / Assets | 0.66% | 0.79% | 1.96% | 0.79% | 0.55% | -11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |