Cleveland, TN · Cert 35093
FDIC · 3 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Cleveland, TN · Cert 35093
FDIC · 3 branches
Q2 2016
Market Position · Cleveland, TN · 2016 SOD (annual) · 13.8% share · #2 of 15 inst. · $0.2B of $1.7B
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 0.23% | 0.95% | 0.93% | 0.92% | 0.93% | 0.99% | 0.83% | -10 bps | |
| Return on Equity | 9.68% | 1.75% | 6.31% | 6.33% | 6.35% | 6.34% | 6.63% | 5.60% | -73 bps | |
| Net Interest Margin | 3.15% | 0.85% | 3.47% | 3.35% | 3.27% | 3.36% | 3.53% | 3.32% | -3 bps | |
| Efficiency Ratio | 67.49% | 69.96% | 67.63% | 68.56% | 67.81% | 68.37% | 66.27% | 71.73% | +316 bps | |
| Non-Interest Burden | 1.79% | 0.54% | 1.92% | 1.90% | 1.82% | 1.91% | 1.97% | 2.04% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.90% | 5.40% | 2.14% | 10.79% | 11.40% | 4.84% | 6.85% | 2.01% | -879 bps | |
| Loan Growth (YoY) | -1.65% | -11.48% | -2.57% | -3.93% | 2.57% | 12.18% | 3.64% | 6.02% | +995 bps | |
| Deposit Growth (YoY) | 3.22% | 2.91% | -0.34% | 10.73% | 8.21% | 4.93% | 7.42% | 0.96% | -978 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 | 0.03% | 0.01% | -0.16% | -0.05% | -0.06% | 0.22% | -0.11% | 0.01% | +6 bps | |
| Allowance / Loans | 1.44% | 0.05% | 0.14% | 0.17% | 0.31% | 0.31% | 0.38% | 0.40% | +23 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 | 11.86% | 11.43% | 11.21% | 11.40% | 11.71% | 11.49% | +6 bps | |
| Total Risk-Based Capital | 18.29% | 17.40% | 18.73% | 18.98% | 17.73% | 17.93% | 18.91% | 18.91% | -7 bps | |
| Equity / Assets | 11.54% | 14.95% | 15.21% | 13.82% | 14.32% | 14.87% | 14.89% | 14.71% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.85% | 58.26% | 62.40% | 55.64% | 60.52% | 62.29% | 60.20% | 58.43% | +279 bps | |
| Liquid Assets / Assets | 1.55% | 3.28% | 3.47% | 7.24% | 2.63% | 2.29% | 2.85% | 5.51% | -172 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |