Franklin, TN · Cert 34553
FDIC · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Franklin, TN · Cert 34553
FDIC · 1 branch
Q3 2017
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2017 SOD (annual) · 0.0% share · #64 of 64 inst. · $0.0B of $57.4B
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 8.43% | 0.94% | 2.37% | 3.08% | 3.50% | 5.51% | 6.20% | 5.10% | +202 bps | |
| Return on Equity | 10.04% | 1.10% | 2.78% | 3.61% | 4.09% | 6.42% | 7.28% | 5.86% | +225 bps | |
| Net Interest Margin | 1.53% | 1.52% | 1.54% | 1.56% | 1.57% | 1.63% | 1.64% | 1.78% | +22 bps | |
| Efficiency Ratio | 76.03% | 96.01% | 90.48% | 87.69% | 87.06% | 81.46% | 78.69% | 80.30% | -739 bps | |
| Non-Interest Burden | -11.81% | -0.09% | -2.33% | -3.57% | -3.87% | -7.39% | -8.39% | -7.71% | -413 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.22% | 3.60% | 1.79% | -5.15% | -1.39% | -0.68% | -0.57% | -6.78% | -163 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -100.00% | -10,000 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 84.77% | 86.50% | 85.89% | 85.14% | 86.78% | 88.72% | 86.71% | 88.94% | +380 bps | |
| Total Risk-Based Capital | 224% | 214% | 201% | 226% | 187.18% | 177.64% | 162.41% | 196.83% | -2,893 bps | |
| Equity / Assets | 85.85% | 85.69% | 85.05% | 84.81% | 85.89% | 85.57% | 83.87% | 93.26% | +845 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 12.41% | 12.04% | 11.93% | 12.52% | 5.94% | 5.73% | 0.69% | 1.60% | -1,092 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |