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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | 1.25% | 1.39% | 0.92% | 1.05% | 1.07% | -0.42% | -1.06% | -198 bps | |
| Return on Equity | 12.13% | 11.11% | 12.66% | 8.55% | 9.75% | 10.09% | -4.06% | -10.39% | -1,894 bps | |
| Net Interest Margin | 4.12% | 4.25% | 4.16% | 3.89% | 3.82% | 3.87% | 3.74% | 3.98% | +9 bps | |
| Efficiency Ratio | 66.21% | 64.41% | 59.48% | 68.52% | 66.90% | 65.14% | 110.84% | 129.84% | +6,132 bps | |
| Non-Interest Burden | 2.51% | 2.58% | 2.29% | 2.52% | 2.36% | 2.30% | 4.21% | 5.37% | +285 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.63% | 14.36% | 16.29% | 15.81% | 15.02% | 15.89% | 10.92% | 7.68% | -813 bps | |
| Loan Growth (YoY) | 12.71% | 16.70% | 18.47% | 16.75% | 15.79% | 13.05% | 11.86% | 10.92% | -583 bps | |
| Deposit Growth (YoY) | 14.77% | 14.65% | 17.97% | 16.82% | 18.60% | 24.07% | 16.57% | 10.67% | -614 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.91% | 1.04% | 1.02% | 1.06% | 0.96% | 0.90% | 0.92% | 1.04% | -2 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.12% | 0.37% | 0.20% | 0.07% | 0.10% | 0.21% | 0.19% | -1 bps | |
| Allowance / Loans | 1.09% | 1.04% | 0.92% | 0.89% | 0.89% | 0.87% | 0.79% | 0.83% | -6 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.0x | 0.9x | 0.8x | 0.9x | 1.0x | 0.9x | 0.8x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.48% | 11.47% | 11.05% | 10.91% | 10.89% | 10.79% | 10.15% | 10.12% | -79 bps | |
| Total Risk-Based Capital | 13.09% | 12.69% | 12.28% | 12.42% | 12.18% | 12.96% | 11.33% | 11.22% | -120 bps | |
| Equity / Assets | 11.35% | 11.11% | 10.84% | 10.74% | 10.81% | 10.44% | 10.19% | 10.21% | -53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.11% | 112.16% | 109.76% | 106.11% | 105.55% | 102.20% | 105.33% | 106.34% | +24 bps | |
| Liquid Assets / Assets | 0.73% | 0.50% | 0.45% | 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 | n/a | n/a | n/a |