Murfreesboro, TN · Cert 57659
FDIC · 5 branches
Q2 2014
Market Position · Nashville-Davidson-Murfreesboro-Franklin, TN · 2014 SOD (annual) · 0.6% share · #30 of 65 inst. · $0.2B of $44.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.79% | 0.03% | 0.36% | -1.46% | -221 bps | |
| Return on Equity | 6.76% | 7.38% | 0.32% | 3.49% | -14.15% | -2,092 bps | |
| Net Interest Margin | 3.39% | 3.51% | 3.50% | 3.62% | 3.73% | +34 bps | |
| Efficiency Ratio | 85.40% | 83.61% | 99.56% | 96.23% | 117.28% | +3,188 bps | |
| Non-Interest Burden | 2.63% | 2.71% | 3.48% | 3.44% | 4.73% | +209 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.33% | 8.87% | 9.57% | 9.09% | 8.92% | +258 bps | |
| Loan Growth (YoY) | 9.21% | 8.27% | 20.33% | 16.95% | 27.17% | +1,796 bps | |
| Deposit Growth (YoY) | 7.45% | 10.55% | 9.03% | 7.90% | 6.54% | -91 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.51% | 0.98% | 0.14% | -0.05% | -0.25% | +25 bps | |
| Allowance / Loans | 2.07% | 1.83% | 1.62% | 1.59% | 1.66% | -42 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.51% | 16.20% | 15.02% | 14.92% | 13.18% | -333 bps | |
| Equity / Assets | 10.73% | 10.72% | 10.00% | 10.48% | 10.13% | -60 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.16% | 67.61% | 71.46% | 74.70% | 81.36% | +1,320 bps | |
| Liquid Assets / Assets | 8.23% | 6.48% | 4.01% | 3.01% | 3.98% | -425 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |