Athens, TN · Cert 4917
FDIC · 9 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 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.
Athens, TN · Cert 4917
FDIC · 9 branches
Q3 2016
Market Position · Knoxville, TN · 2016 SOD (annual) · 0.4% share · #26 of 50 inst. · $0.1B of $16.3B
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 1.04% | 1.30% | 1.32% | 1.21% | 1.26% | 1.25% | 0.09% | -123 bps | |
| Return on Equity | 8.14% | 9.02% | 11.27% | 11.37% | 10.45% | 10.91% | 10.70% | 0.72% | -1,065 bps | |
| Net Interest Margin | 3.23% | 3.10% | 3.36% | 3.34% | 3.29% | 3.24% | 3.26% | 0.34% | -301 bps | |
| Efficiency Ratio | 78.61% | 70.55% | 65.95% | 65.18% | 67.65% | 66.14% | 67.20% | 62.63% | -255 bps | |
| Non-Interest Burden | 2.44% | 2.00% | 1.98% | 1.94% | 2.00% | 1.90% | 1.96% | 0.19% | -175 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.70% | 1.19% | 0.77% | 1.60% | 3.35% | 3.91% | 5.93% | 4.56% | +295 bps | |
| Loan Growth (YoY) | 3.19% | 4.13% | 2.27% | 4.37% | 3.86% | 3.28% | 2.47% | -1.55% | -592 bps | |
| Deposit Growth (YoY) | 0.90% | -0.05% | -0.60% | 1.16% | 4.04% | 4.01% | 6.37% | 2.32% | +116 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 | 0.00% | -0.06% | 0.23% | 0.47% | 0.54% | 0.47% | 0.22% | 0.30% | -17 bps | |
| Allowance / Loans | 2.05% | 2.05% | 1.92% | 1.66% | 1.44% | 1.31% | 1.33% | 0.02% | -165 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 | 11.26% | 11.65% | 11.61% | 11.63% | 11.30% | 11.33% | 13.89% | +228 bps | |
| Total Risk-Based Capital | 17.82% | 16.79% | 17.39% | 17.12% | 17.02% | 17.01% | 17.15% | 20.06% | +294 bps | |
| Equity / Assets | 11.66% | 11.33% | 11.69% | 11.73% | 11.64% | 11.51% | 11.86% | 13.91% | +217 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.50% | 75.94% | 77.41% | 77.69% | 77.36% | 75.41% | 74.57% | 74.75% | -294 bps | |
| Liquid Assets / Assets | 4.23% | 6.71% | 4.67% | 3.20% | 1.80% | 4.19% | 6.05% | 15.47% | +1,227 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |