Greeneville, TN · Cert 57169
FDIC · 2 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Greeneville, TN · Cert 57169
FDIC · 2 branches
Q3 2016
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.03% | -0.81% | -0.48% | -0.45% | -0.34% | -0.46% | -0.36% | -0.31% | +14 bps | |
| Return on Equity | -48.16% | -38.64% | -22.96% | -21.59% | -16.21% | -22.31% | -17.24% | -14.82% | +677 bps | |
| Net Interest Margin | 2.92% | 2.94% | 3.20% | 3.18% | 3.20% | 3.03% | 3.01% | 3.10% | -8 bps | |
| Efficiency Ratio | 135.12% | 128.54% | 112.02% | 110.95% | 107.96% | 110.55% | 108.36% | 106.73% | -421 bps | |
| Non-Interest Burden | 3.96% | 3.75% | 3.69% | 3.63% | 3.55% | 3.49% | 3.38% | 3.42% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.66% | -9.38% | -7.57% | -7.54% | -8.39% | -7.04% | -9.98% | -11.98% | -444 bps | |
| Loan Growth (YoY) | -4.42% | -5.63% | -6.49% | -2.67% | -5.84% | -8.66% | -7.58% | -6.99% | -433 bps | |
| Deposit Growth (YoY) | -5.44% | -9.35% | -7.35% | -7.52% | -8.46% | -6.98% | -9.84% | -11.89% | -437 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 | -0.06% | 1.27% | 1.76% | 1.28% | 1.32% | 0.40% | 0.38% | 0.06% | -122 bps | |
| Allowance / Loans | 3.02% | 2.74% | 2.27% | 2.13% | 1.90% | 1.88% | 1.82% | 1.92% | -22 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 | 2.06% | 2.12% | 2.01% | 2.05% | 2.01% | 2.01% | 2.04% | +3 bps | |
| Total Risk-Based Capital | 4.06% | 4.18% | 4.21% | 4.12% | 4.21% | 4.14% | 4.10% | 4.17% | +5 bps | |
| Equity / Assets | 2.05% | 2.13% | 2.12% | 2.04% | 2.07% | 2.04% | 2.08% | 2.09% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.93% | 65.33% | 64.29% | 65.97% | 64.73% | 64.15% | 65.90% | 69.63% | +367 bps | |
| Liquid Assets / Assets | 13.85% | 9.55% | 9.04% | 8.88% | 9.03% | 9.00% | 5.32% | 6.53% | -235 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |