Lenoir City, TN · Cert 4947
FDIC · 10 branches
Q2 2015
Market Position · Knoxville, TN · 2015 SOD (annual) · 2.2% share · #8 of 51 inst. · $0.3B of $15.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.67% | 0.62% | 0.64% | -0.28% | -89 bps | |
| Return on Equity | 5.86% | 6.47% | 6.09% | 6.35% | -2.37% | -823 bps | |
| Net Interest Margin | 2.99% | 3.03% | 2.99% | 2.84% | -0.88% | -386 bps | |
| Efficiency Ratio | 75.87% | 75.07% | 74.99% | 72.18% | 70.22% | -565 bps | |
| Non-Interest Burden | 2.12% | 2.14% | 2.09% | 1.90% | -0.59% | -271 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.83% | 6.44% | 6.13% | 7.67% | 2.37% | -146 bps | |
| Loan Growth (YoY) | -5.58% | -6.59% | -1.81% | -1.30% | -6.03% | -45 bps | |
| Deposit Growth (YoY) | 2.91% | 6.08% | 5.58% | 8.82% | 3.96% | +105 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.64% | 0.66% | 0.01% | 0.11% | +2 bps | |
| Allowance / Loans | 1.86% | 1.71% | 1.54% | 1.54% | 0.01% | -185 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 9.78% | 10.78% | n/a | |
| Total Risk-Based Capital | 17.30% | 17.03% | 17.11% | 16.61% | 17.79% | +49 bps | |
| Equity / Assets | 10.42% | 10.20% | 10.15% | 9.88% | 14.14% | +371 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.24% | 71.02% | 71.46% | 67.30% | 66.20% | -704 bps | |
| Liquid Assets / Assets | 1.50% | 0.14% | 3.09% | 7.09% | 2.34% | +84 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |