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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 1.04% | 1.56% | 1.35% | 0.90% | 1.26% | 1.23% | -2.21% | -356 bps | |
| Return on Equity | 6.52% | 9.02% | 13.54% | 11.55% | 7.73% | 10.91% | 10.53% | -17.15% | -2,870 bps | |
| Net Interest Margin | 3.56% | 3.10% | 3.63% | 3.31% | 3.31% | 3.24% | 3.31% | -5.55% | -886 bps | |
| Efficiency Ratio | 79.25% | 70.55% | 61.99% | 63.65% | 74.99% | 66.14% | 68.23% | 62.63% | -102 bps | |
| Non-Interest Burden | 2.74% | 2.00% | 1.97% | 1.84% | 2.31% | 1.90% | 2.04% | -3.38% | -522 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 | 0.34% | -0.06% | 0.53% | 0.94% | 0.78% | 0.47% | -0.03% | 0.45% | -50 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 |