Memphis, TN · Cert 34937
FDIC · 5 branches
Q2 2015
Market Position · Memphis, TN-MS-AR · 2015 SOD (annual) · 1.7% share · #11 of 56 inst. · $0.4B of $27.0B
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 1.04% | 0.93% | 0.98% | 0.89% | -16 bps | |
| Return on Equity | 8.52% | 8.50% | 7.58% | 8.14% | 7.37% | -116 bps | |
| Net Interest Margin | 3.27% | 3.27% | 3.16% | 3.17% | 3.18% | -8 bps | |
| Efficiency Ratio | 71.13% | 71.36% | 72.87% | 74.71% | 77.33% | +620 bps | |
| Non-Interest Burden | 1.70% | 1.68% | 1.75% | 1.80% | 1.93% | +24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.62% | 11.68% | 7.16% | 7.73% | 7.23% | -338 bps | |
| Loan Growth (YoY) | 15.28% | 12.07% | 6.30% | 6.56% | 6.06% | -922 bps | |
| Deposit Growth (YoY) | 10.29% | 17.58% | 11.87% | 13.37% | 6.63% | -365 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.04% | 0.03% | 0.14% | 0.04% | -1 bps | |
| Allowance / Loans | 1.10% | 1.10% | 1.14% | 0.98% | 0.98% | -12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 12.25% | 12.03% | n/a | |
| Total Risk-Based Capital | 16.29% | 15.95% | 16.00% | 15.11% | 16.08% | -21 bps | |
| Equity / Assets | 12.43% | 12.09% | 12.17% | 11.89% | 11.99% | -44 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 107.89% | 102.56% | 104.56% | 106.25% | 107.31% | -58 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |