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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.59% | 0.93% | 1.26% | 0.62% | 0.63% | 0.16% | 0.57% | -68 bps | |
| Return on Equity | 9.35% | 6.20% | 9.50% | 12.62% | 6.19% | 6.16% | 1.53% | 5.54% | -708 bps | |
| Net Interest Margin | 3.60% | 3.75% | 3.81% | 3.80% | 3.66% | 3.80% | 3.46% | 3.69% | -11 bps | |
| Efficiency Ratio | 80.16% | 85.67% | 80.86% | 75.39% | 84.64% | 84.41% | 94.37% | 86.63% | +1,124 bps | |
| Non-Interest Burden | 2.55% | 3.03% | 2.75% | 2.43% | 2.87% | 3.00% | 3.19% | 3.03% | +60 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% | -0.01% | 0.17% | 0.02% | 0.01% | 0.06% | 0.62% | 0.00% | -2 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 |