Morristown, TN · Cert 57445
FDIC · 3 branches
Q2 2014
Market Position · Morristown, TN · 2014 SOD (annual) · 6.9% share · #6 of 14 inst. · $0.1B of $1.4B
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.40% | -0.38% | 0.04% | 0.30% | 0.18%1 | 0.05%1 | -0.16% | -0.57% | -87 bps | |
| Return on Equity | -3.71% | -3.53% | 0.33% | 2.82% | 1.65% | 0.45% | -1.72% | -5.98% | -880 bps | |
| Net Interest Margin | 3.17% | 3.27% | 3.32% | 3.33% | 3.38% | 3.36% | 3.03% | 2.96% | -37 bps | |
| Efficiency Ratio | 116.23% | 120.53% | 99.61% | 96.74% | 97.99% | 100.70% | 104.74% | 116.73% | +1,999 bps | |
| Non-Interest Burden | 3.68% | 3.91% | 3.31% | 3.20% | 3.30% | 3.38% | 3.19% | 3.51% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.12% | -2.44% | -6.56% | -7.60% | -3.07% | 0.96% | 8.49% | 7.11% | +1,471 bps | |
| Loan Growth (YoY) | -8.89% | -3.05% | -1.99% | -0.12% | 1.42% | 1.42% | 2.70% | 2.13% | +225 bps | |
| Deposit Growth (YoY) | -0.97% | 1.49% | -5.42% | -4.21% | -1.94% | 3.91% | 11.27% | 8.77% | +1,298 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 | 0.19% | 0.26% | -0.03% | 0.33% | 0.45% | 0.32% | 0.13% | 0.16% | -17 bps | |
| Allowance / Loans | 1.96% | 1.75% | 1.81% | 1.64% | 1.47% | 1.40% | 1.39% | 1.36% | -29 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.78% | 16.83% | 17.24% | 17.35% | 17.31% | 16.50% | 16.43% | 16.17% | -117 bps | |
| Equity / Assets | 11.09% | 10.78% | 11.06% | 10.45% | 10.24% | 9.56% | 9.36% | 9.53% | -93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.25% | 66.62% | 66.80% | 66.02% | 67.48% | 65.02% | 61.65% | 61.99% | -403 bps | |
| Liquid Assets / Assets | 0.14% | 0.21% | 0.17% | 0.21% | 0.23% | 0.26% | 0.21% | 0.37% | +16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |