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 (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 | 0.67% | 0.66% | 0.77% | 0.76% | 0.77% | 0.58% | 0.36% | -0.55% | -131 bps | |
| Return on Equity | 5.92% | 5.80% | 6.73% | 6.79% | 6.96% | 5.32% | 3.49% | -5.42% | -1,221 bps | |
| Net Interest Margin | 3.44% | 3.41% | 3.37% | 3.37% | 3.35% | 3.30% | 3.62% | 3.69% | +32 bps | |
| Efficiency Ratio | 85.41% | 89.32% | 84.07% | 84.76% | 84.38% | 88.20% | 96.23% | 107.66% | +2,290 bps | |
| Non-Interest Burden | 2.79% | 2.95% | 2.59% | 2.61% | 2.59% | 2.74% | 3.44% | 4.09% | +149 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.86% | 5.80% | 5.66% | 6.33% | 8.87% | 9.57% | 9.09% | 8.92% | +258 bps | |
| Loan Growth (YoY) | 1.32% | 1.40% | 6.79% | 9.21% | 8.27% | 20.33% | 16.95% | 27.17% | +1,796 bps | |
| Deposit Growth (YoY) | 7.37% | 8.46% | 6.53% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.19% | 0.11% | -0.20% | 0.19% | 0.17% | -0.05% | -0.15% | +5 bps | |
| Allowance / Loans | 2.28% | 2.15% | 2.00% | 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 | 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 | 17.69% | 17.76% | 16.88% | 16.51% | 16.20% | 15.02% | 14.92% | 13.18% | -333 bps | |
| Equity / Assets | 11.69% | 11.35% | 11.61% | 10.73% | 10.72% | 10.00% | 10.48% | 10.13% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.04% | 64.75% | 68.92% | 68.16% | 67.61% | 71.46% | 74.70% | 81.36% | +1,320 bps | |
| Liquid Assets / Assets | 3.03% | 10.79% | 5.00% | 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 | n/a | n/a | n/a |