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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.57% | 0.79% | 1.30% | 1.03% | 0.59% | 0.98% | 0.79% | -51 bps | |
| Return on Equity | 6.49% | 4.54% | 6.45% | 10.59% | 8.41% | 4.88% | 8.14% | 6.59% | -400 bps | |
| Net Interest Margin | 3.37% | 3.23% | 3.32% | 3.33% | 3.36% | 3.12% | 3.17% | 3.27% | -6 bps | |
| Efficiency Ratio | 76.50% | 76.76% | 76.07% | 67.05% | 71.77% | 78.03% | 74.71% | 79.74% | +1,269 bps | |
| Non-Interest Burden | 2.03% | 2.04% | 2.10% | 1.37% | 1.71% | 2.08% | 1.80% | 2.10% | +74 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.30% | 6.88% | 14.35% | 10.62% | 11.68% | 7.16% | 7.73% | 7.23% | -338 bps | |
| Loan Growth (YoY) | 9.20% | 11.84% | 19.66% | 15.28% | 12.07% | 6.30% | 6.56% | 6.06% | -922 bps | |
| Deposit Growth (YoY) | 4.03% | 7.99% | 9.75% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.76% | 0.05% | 0.05% | 0.01% | 0.02% | 0.14% | -0.06% | -11 bps | |
| Allowance / Loans | 1.35% | 1.19% | 1.15% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 12.25% | 12.03% | n/a | |
| Total Risk-Based Capital | 17.13% | 16.42% | 15.88% | 16.29% | 15.95% | 16.00% | 15.11% | 16.08% | -21 bps | |
| Equity / Assets | 12.87% | 12.43% | 12.10% | 12.43% | 12.09% | 12.17% | 11.89% | 11.99% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.60% | 110.03% | 113.04% | 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% | 0.02% | 0.02% | 0.02% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |