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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.80% | 1.06% | 0.76% | 1.35% | -0.10% | -190 bps | |
| Return on Equity | 17.72% | 10.22% | 7.29% | 12.81% | -0.95% | -1,867 bps | |
| Net Interest Margin | 3.72% | 3.58% | 3.53% | 3.45% | 3.55% | -17 bps | |
| Efficiency Ratio | 70.13% | 77.19% | 75.99% | 84.87% | 105.03% | +3,491 bps | |
| Non-Interest Burden | 2.28% | 2.63% | 2.53% | 2.84% | 3.75% | +146 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.33% | 4.84% | 8.80% | 12.29% | 7.78% | +545 bps | |
| Loan Growth (YoY) | 4.70% | 7.78% | 11.86% | 19.89% | 13.98% | +928 bps | |
| Deposit Growth (YoY) | 5.58% | 4.06% | 5.07% | 8.17% | 4.63% | -95 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.55% | 0.71% | 0.59% | 0.62% | 0.57% | +2 bps | |
| Net Charge-Offs / Loans | -0.08% | -0.02% | 0.01% | -0.57% | -0.06% | +1 bps | |
| Allowance / Loans | 1.35% | 1.29% | 1.22% | 0.92% | 0.91% | -43 bps | |
| Allowance Coverage of NPLs | 2.4x | 1.8x | 2.1x | 1.5x | 1.6x | -0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.14% | 10.12% | 10.67% | 10.81% | 10.24% | -90 bps | |
| Total Risk-Based Capital | 17.99% | 16.34% | 16.57% | 16.96% | 15.92% | -208 bps | |
| Equity / Assets | 10.36% | 10.29% | 10.46% | 10.66% | 10.39% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.04% | 76.85% | 81.39% | 80.06% | 82.83% | +679 bps | |
| Liquid Assets / Assets | 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 |