Ashland City, TN · Cert 35258
FDIC · 5 branches
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, 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.
Ashland City, TN · Cert 35258
FDIC · 5 branches
Q4 2019
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2019 SOD (annual) · 0.3% share · #32 of 65 inst. · $0.2B of $64.1B
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 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.86% | 0.80% | 1.05% | 1.06% | 0.91% | 1.06% | 0.77% | -28 bps | |
| Return on Equity | 7.96% | 8.75% | 8.07% | 10.50% | 10.22% | 8.74% | 10.14% | 7.33% | -316 bps | |
| Net Interest Margin | 3.62% | 3.69% | 3.73% | 3.72% | 3.58% | 3.51% | 3.43% | 3.42% | -30 bps | |
| Efficiency Ratio | 75.86% | 73.67% | 74.19% | 73.09% | 77.19% | 76.58% | 79.37% | 85.88% | +1,279 bps | |
| Non-Interest Burden | 2.61% | 2.57% | 2.61% | 2.52% | 2.63% | 2.55% | 2.60% | 2.86% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.20% | -2.89% | -0.83% | 2.33% | 4.84% | 8.80% | 12.29% | 7.78% | +545 bps | |
| Loan Growth (YoY) | 22.06% | 13.54% | 0.51% | 4.70% | 7.78% | 11.86% | 19.89% | 13.98% | +928 bps | |
| Deposit Growth (YoY) | 3.34% | 1.29% | 2.30% | 5.58% | 4.06% | 5.07% | 8.17% | 4.63% | -95 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.57% | 0.88% | 0.55% | 0.55% | 0.71% | 0.59% | 0.62% | 0.57% | +2 bps | |
| Net Charge-Offs / Loans | -0.12% | -0.09% | -0.04% | -0.05% | -0.02% | -0.01% | -0.19% | -0.16% | -11 bps | |
| Allowance / Loans | 1.63% | 1.62% | 1.71% | 1.35% | 1.29% | 1.22% | 0.92% | 0.91% | -43 bps | |
| Allowance Coverage of NPLs | 2.9x | 1.8x | 3.1x | 2.4x | 1.8x | 2.1x | 1.5x | 1.6x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.54% | 10.48% | 9.94% | 11.14% | 10.12% | 10.67% | 10.81% | 10.24% | -90 bps | |
| Total Risk-Based Capital | 17.26% | 16.84% | 17.29% | 17.99% | 16.34% | 16.57% | 16.96% | 15.92% | -208 bps | |
| Equity / Assets | 9.62% | 9.83% | 9.99% | 10.36% | 10.29% | 10.46% | 10.66% | 10.39% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.20% | 76.45% | 72.23% | 76.04% | 76.85% | 81.39% | 80.06% | 82.83% | +679 bps | |
| Liquid Assets / Assets | 1.57% | 1.67% | 1.46% | 1.89% | 1.66% | 1.73% | 1.80% | 1.47% | -42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |