Clarksville, TN · Cert 57091
FDIC · 5 branches
Q4 2017
Market Position · Clarksville, TN-KY · 2017 SOD (annual) · 4.2% share · #10 of 15 inst. · $0.2B of $3.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.85% | 1.09% | 1.21% | -0.29% | -118 bps | |
| Return on Equity | 7.89% | 7.48% | 9.28% | 9.76% | -2.33% | -1,022 bps | |
| Net Interest Margin | 3.75% | 3.78% | 3.91% | 4.05% | 4.05% | +30 bps | |
| Efficiency Ratio | 68.48% | 65.07% | 63.83% | 59.78% | 103.64% | +3,516 bps | |
| Non-Interest Burden | 2.38% | 2.27% | 2.29% | 2.10% | 4.23% | +185 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.33% | 3.25% | -1.61% | -6.79% | -3.27% | -661 bps | |
| Loan Growth (YoY) | 8.96% | 3.54% | 1.01% | -2.16% | 0.00% | -897 bps | |
| Deposit Growth (YoY) | 3.04% | 2.72% | -2.50% | -8.37% | -4.67% | -770 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.48% | 0.60% | 0.23% | 0.09% | +9 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.15% | 0.04% | -0.01% | 0.09% | -3 bps | |
| Allowance / Loans | 1.30% | 1.32% | 1.28% | 1.34% | 1.29% | -1 bps | |
| Allowance Coverage of NPLs | n/a | 2.7x | 2.1x | 5.8x | 15.0x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.28% | 11.52% | 11.81% | 12.52% | 12.69% | +141 bps | |
| Total Risk-Based Capital | 14.22% | 14.33% | 14.35% | 15.07% | 14.87% | +65 bps | |
| Equity / Assets | 11.24% | 11.57% | 11.91% | 12.80% | 12.20% | +96 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.17% | 87.36% | 88.30% | 91.31% | 89.33% | +417 bps | |
| Liquid Assets / Assets | 6.31% | 5.87% | 2.71% | 3.35% | 1.58% | -473 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |