Columbia, TN · Cert 35165
FDIC · 7 branches
Q4 2017
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2017 SOD (annual) · 0.7% share · #21 of 64 inst. · $0.4B 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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.80% | 0.78% | 0.71% | 0.58% | 0.67% | 0.71% | 0.30% | -41 bps | |
| Return on Equity | 8.44% | 7.81% | 7.51% | 7.01% | 6.11% | 6.99% | 7.26% | 3.18% | -383 bps | |
| Net Interest Margin | 3.25% | 3.26% | 3.27% | 3.29% | 3.37% | 3.31% | 3.34% | 3.32% | +3 bps | |
| Efficiency Ratio | 77.22% | 74.76% | 75.01% | 74.56% | 73.69% | 70.25% | 69.22% | 74.54% | -2 bps | |
| Non-Interest Burden | 2.38% | 2.30% | 2.33% | 2.32% | 2.41% | 2.21% | 2.20% | 2.38% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.67% | 4.54% | 3.06% | 0.79% | 2.23% | 0.38% | 0.17% | 1.09% | +30 bps | |
| Loan Growth (YoY) | 9.31% | 11.76% | 15.02% | 19.43% | 8.96% | 3.57% | 4.41% | 1.57% | -1,786 bps | |
| Deposit Growth (YoY) | 1.29% | 3.34% | 2.49% | 1.45% | 3.27% | 1.18% | 0.94% | 2.24% | +79 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.41% | 0.47% | 0.45% | 0.93% | +93 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.02% | -0.04% | -0.04% | 0.00% | 0.07% | -0.03% | -0.03% | +1 bps | |
| Allowance / Loans | 1.30% | 1.25% | 1.15% | 1.19% | 1.21% | 1.20% | 1.23% | 1.21% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 2.9x | 2.6x | 2.8x | 1.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.97% | 9.08% | 9.28% | 8.91% | 9.05% | 9.15% | 9.41% | 7.85% | -106 bps | |
| Total Risk-Based Capital | 14.15% | 14.32% | 14.41% | 13.79% | 13.99% | 14.39% | 14.59% | 12.40% | -138 bps | |
| Equity / Assets | 10.40% | 10.35% | 10.56% | 9.53% | 9.60% | 9.80% | 9.95% | 8.42% | -110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.24% | 70.56% | 72.18% | 74.57% | 73.06% | 72.23% | 74.67% | 74.08% | -49 bps | |
| Liquid Assets / Assets | 7.74% | 14.79% | 9.73% | 9.63% | 10.69% | 12.35% | 10.34% | 10.99% | +136 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |