Wartburg, TN · Cert 34311
FDIC · 6 branches
Q3 2019
Market Position · Knoxville, TN · 2019 SOD (annual) · 0.7% share · #20 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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.83% | 0.76% | 0.89% | 1.08% | 0.61% | 0.67% | 0.73% | -16 bps | |
| Return on Equity | 9.21% | 9.77% | 8.86% | 10.21% | 12.10% | 5.20% | 5.50% | 5.79% | -442 bps | |
| Net Interest Margin | 4.06% | 4.19% | 4.23% | 4.36% | 4.36% | 4.31% | 4.08% | 4.11% | -25 bps | |
| Efficiency Ratio | 71.20% | 73.40% | 76.11% | 73.87% | 76.66% | 86.12% | 82.68% | 80.35% | +649 bps | |
| Non-Interest Burden | 2.60% | 2.82% | 2.98% | 2.95% | 3.10% | 3.49% | 3.18% | 3.12% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.63% | 2.73% | -2.05% | -2.23% | -4.08% | 5.24% | 9.48% | 9.33% | +1,156 bps | |
| Loan Growth (YoY) | -0.27% | -0.04% | -2.63% | -1.37% | -0.61% | -4.97% | -4.72% | -6.88% | -551 bps | |
| Deposit Growth (YoY) | 4.81% | 3.03% | -0.16% | -0.39% | -3.45% | 1.91% | 4.15% | 4.01% | +440 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.11% | 0.91% | 0.54% | 0.80% | 0.88% | 0.99% | 0.80% | 0.71% | -9 bps | |
| Net Charge-Offs / Loans | 0.22% | -0.02% | 0.28% | -0.86% | -0.58% | 0.36% | 0.18% | 0.12% | +99 bps | |
| Allowance / Loans | 0.94% | 1.03% | 0.98% | 1.78% | 1.27% | 0.00% | 0.07% | 0.14% | -164 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.1x | 1.8x | 2.2x | 1.5x | 0.0x | 0.1x | 0.2x | -2.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.55% | 8.77% | 8.97% | 9.46% | 9.90% | 11.24% | 10.50% | 10.72% | +126 bps | |
| Total Risk-Based Capital | 13.77% | 14.34% | 14.77% | 15.46% | 15.95% | 15.97% | 16.56% | 17.60% | +214 bps | |
| Equity / Assets | 8.50% | 8.45% | 8.92% | 9.12% | 9.88% | 13.25% | 13.38% | 13.59% | +447 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.87% | 75.84% | 75.98% | 76.97% | 79.13% | 70.71% | 69.50% | 68.91% | -806 bps | |
| Liquid Assets / Assets | 5.75% | 7.13% | 5.97% | 6.84% | 3.90% | 8.79% | 10.07% | 13.99% | +714 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |