Jamestown, TN · Cert 32021
FDIC · 7 branches
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, 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.
Jamestown, TN · Cert 32021
FDIC · 7 branches
Q4 2019
Market Position · Knoxville, TN · 2019 SOD (annual) · 0.3% share · #32 of 44 inst. · $0.1B of $17.7B
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 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.73% | 0.80% | 0.91% | 0.62% | 0.63% | 0.47% | 0.50% | -41 bps | |
| Return on Equity | 9.35% | 7.75% | 8.33% | 9.42% | 6.19% | 6.19% | 4.63% | 4.86% | -456 bps | |
| Net Interest Margin | 3.60% | 3.73% | 3.78% | 3.76% | 3.66% | 3.74% | 3.69% | 3.70% | -6 bps | |
| Efficiency Ratio | 80.16% | 82.79% | 82.13% | 80.39% | 84.64% | 84.52% | 87.68% | 87.42% | +704 bps | |
| Non-Interest Burden | 2.55% | 2.83% | 2.82% | 2.70% | 2.87% | 2.95% | 3.06% | 3.06% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.50% | -4.34% | -4.89% | -2.85% | 2.41% | 2.19% | 0.34% | -1.24% | +161 bps | |
| Loan Growth (YoY) | -7.74% | -7.19% | -4.45% | -3.79% | -1.21% | 2.21% | -0.33% | -3.07% | +71 bps | |
| Deposit Growth (YoY) | -4.67% | -5.36% | -5.64% | -3.80% | 1.83% | 1.56% | -0.32% | -1.78% | +202 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.94% | 1.07% | 0.91% | 1.23% | 1.16% | 1.71% | 0.89% | 1.40% | +17 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.04% | 0.09% | 0.07% | 0.01% | 0.03% | 0.23% | 0.17% | +11 bps | |
| Allowance / Loans | 1.18% | 1.24% | 1.28% | 1.27% | 1.32% | 1.32% | 1.25% | 1.30% | +3 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.2x | 1.4x | 1.0x | 1.1x | 0.8x | 1.4x | 0.9x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.21% | 9.66% | 9.97% | 10.20% | 10.11% | 9.97% | 10.20% | 10.18% | -2 bps | |
| Total Risk-Based Capital | 13.23% | 13.66% | 14.12% | 14.29% | 14.61% | 14.26% | 14.57% | 14.80% | +51 bps | |
| Equity / Assets | 9.46% | 9.72% | 9.90% | 10.01% | 10.17% | 10.18% | 10.44% | 10.26% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.26% | 75.32% | 74.48% | 74.12% | 73.01% | 75.81% | 74.47% | 73.15% | -97 bps | |
| Liquid Assets / Assets | 10.32% | 10.83% | 12.51% | 14.07% | 15.96% | 12.59% | 14.12% | 15.93% | +186 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |