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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.94% | 1.03% | 0.99% | 0.85% | 0.97% | 1.05% | 0.72% | -28 bps | |
| Return on Equity | 7.45% | 8.56% | 9.27% | 8.92% | 7.48% | 8.37% | 8.84% | 6.00% | -292 bps | |
| Net Interest Margin | 3.78% | 3.78% | 3.72% | 3.71% | 3.78% | 3.85% | 4.01% | 4.07% | +36 bps | |
| Efficiency Ratio | 66.38% | 63.00% | 61.09% | 62.92% | 65.07% | 64.43% | 62.81% | 73.24% | +1,032 bps | |
| Non-Interest Burden | 2.32% | 2.15% | 2.00% | 2.09% | 2.27% | 2.28% | 2.27% | 2.79% | +71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.22% | 6.53% | 4.10% | 3.33% | 3.25% | -1.61% | -6.79% | -3.27% | -661 bps | |
| Loan Growth (YoY) | 0.81% | 2.25% | 5.70% | 8.96% | 3.54% | 1.01% | -2.16% | 0.00% | -897 bps | |
| Deposit Growth (YoY) | 0.72% | 9.52% | 3.83% | 3.04% | 2.72% | -2.50% | -8.37% | -4.67% | -770 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.48% | 0.60% | 0.23% | 0.09% | +9 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.04% | 0.15% | 0.10% | 0.06% | 0.07% | +3 bps | |
| Allowance / Loans | 1.29% | 1.31% | 1.33% | 1.30% | 1.32% | 1.28% | 1.34% | 1.29% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 2.7x | 2.1x | 5.8x | 15.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.92% | 11.03% | 11.11% | 11.28% | 11.52% | 11.81% | 12.52% | 12.69% | +141 bps | |
| Total Risk-Based Capital | 14.03% | 14.01% | 13.98% | 14.22% | 14.33% | 14.35% | 15.07% | 14.87% | +65 bps | |
| Equity / Assets | 11.17% | 10.99% | 11.18% | 11.24% | 11.57% | 11.91% | 12.80% | 12.20% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.66% | 85.24% | 85.51% | 85.17% | 87.36% | 88.30% | 91.31% | 89.33% | +417 bps | |
| Liquid Assets / Assets | 2.58% | 6.42% | 6.91% | 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 | n/a | n/a | n/a |