Tullahoma, TN · Cert 4970
FDIC · 5 branches
Q1 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.01% | 1.65% | 0.92% | 1.31% | -0.49% | -150 bps | |
| Return on Equity | 10.77% | 17.26% | 9.42% | 13.10% | -4.60% | -1,538 bps | |
| Net Interest Margin | 3.83% | 3.98% | 4.02% | 4.04% | 1.22% | -261 bps | |
| Efficiency Ratio | 76.74% | 63.27% | 78.59% | 70.83% | 69.86% | -689 bps | |
| Non-Interest Burden | 2.79% | 2.27% | 3.01% | 2.69% | 0.78% | -200 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.25% | 3.33% | -0.25% | 0.72% | 9.68% | +1,093 bps | |
| Loan Growth (YoY) | 1.59% | 9.21% | 9.32% | 9.26% | 1.76% | +17 bps | |
| Deposit Growth (YoY) | -1.25% | 2.73% | -1.30% | -0.23% | 7.56% | +880 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.11% | 0.07% | -0.01% | 0.46% | +37 bps | |
| Allowance / Loans | 1.61% | 1.50% | 1.48% | 1.48% | 0.48% | -114 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 | n/a | 8.61% | n/a | n/a |
| Total Risk-Based Capital | 16.06% | 15.98% | 16.01% | 15.80% | 12.79% | -327 bps | |
| Equity / Assets | 9.41% | 9.74% | 9.88% | 10.18% | 11.17% | +176 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.17% | 77.46% | 78.16% | 79.64% | 70.18% | -400 bps | |
| Liquid Assets / Assets | 0.22% | 0.22% | 0.22% | 0.23% | 12.01% | +1,179 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |