Lenoir City, TN · Cert 57689
FDIC · 4 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.
Lenoir City, TN · Cert 57689
FDIC · 4 branches
Q3 2016
Market Position · Knoxville, TN · 2016 SOD (annual) · 0.7% share · #21 of 50 inst. · $0.1B of $16.3B
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 | 1.40% | 0.72% | 0.81% | 0.81% | 0.70% | 1.95% | 1.69% | 1.30% | +49 bps | |
| Return on Equity | 12.16% | 5.90% | 6.59% | 6.58% | 5.72% | 15.57% | 13.23% | 10.12% | +354 bps | |
| Net Interest Margin | 3.94% | 4.11% | 4.09% | 4.06% | 3.94% | 3.68% | 3.71% | 3.63% | -43 bps | |
| Efficiency Ratio | 71.29% | 70.02% | 68.96% | 69.31% | 73.14% | 77.64% | 74.15% | 75.17% | +586 bps | |
| Non-Interest Burden | 2.70% | 2.78% | 2.71% | 2.70% | 2.78% | 2.82% | 2.67% | 2.65% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.47% | 0.14% | -0.27% | -0.97% | 1.63% | 2.98% | 4.32% | 3.21% | +418 bps | |
| Loan Growth (YoY) | 0.40% | 3.01% | -1.70% | -6.56% | -2.64% | -2.25% | -3.54% | -5.43% | +113 bps | |
| Deposit Growth (YoY) | -2.67% | -0.71% | -0.47% | 2.01% | 0.63% | 1.48% | 1.18% | 1.02% | -99 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 | 1.67% | -0.03% | 0.16% | 0.32% | 0.17% | -2.86% | -2.51% | -1.77% | -209 bps | |
| Allowance / Loans | 1.08% | 1.14% | 1.11% | 1.05% | 1.13% | 1.10% | 1.33% | 1.46% | +41 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 | 12.36% | 12.21% | 12.39% | 12.29% | 12.74% | 12.95% | 13.07% | +68 bps | |
| Total Risk-Based Capital | 17.57% | 16.28% | 18.52% | 17.62% | 16.78% | 16.99% | 18.99% | 20.03% | +241 bps | |
| Equity / Assets | 12.20% | 12.28% | 12.36% | 12.30% | 12.43% | 12.64% | 13.19% | 13.10% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.87% | 92.15% | 91.25% | 85.64% | 88.88% | 88.76% | 86.99% | 80.17% | -547 bps | |
| Liquid Assets / Assets | 1.98% | 1.97% | 1.26% | 1.34% | 1.19% | 1.17% | 1.23% | 1.35% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |