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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.72% | 0.89% | 0.82% | 0.39% | 1.95% | 1.42% | 0.54% | -28 bps | |
| Return on Equity | 2.42% | 5.90% | 7.24% | 6.61% | 3.17% | 15.57% | 10.98% | 4.08% | -254 bps | |
| Net Interest Margin | 3.91% | 4.11% | 4.10% | 4.01% | 3.79% | 3.68% | 3.77% | 3.47% | -53 bps | |
| Efficiency Ratio | 82.66% | 70.02% | 67.92% | 70.00% | 84.87% | 77.64% | 70.95% | 77.30% | +730 bps | |
| Non-Interest Burden | 3.18% | 2.78% | 2.67% | 2.68% | 3.14% | 2.82% | 2.56% | 2.61% | -7 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 | 0.00% | -0.03% | 0.35% | 0.62% | -0.25% | -2.86% | -2.04% | 0.00% | -61 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 |