Decherd, TN · Cert 57851
FDIC · 2 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 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.
Decherd, TN · Cert 57851
FDIC · 2 branches
Q2 2016
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.53% | -0.29% | -0.19% | -0.46% | -0.35% | 0.63% | 0.64% | +82 bps | |
| Return on Equity | 4.65% | 4.64% | -2.50% | -1.60% | -3.90% | -2.96% | 5.02% | 5.03% | +663 bps | |
| Net Interest Margin | 4.06% | 3.98% | 3.79% | 3.79% | 3.87% | 4.11% | 4.15% | 4.07% | +27 bps | |
| Efficiency Ratio | 75.32% | 75.11% | 84.03% | 88.70% | 100.26% | 86.71% | 78.23% | 77.80% | -1,090 bps | |
| Non-Interest Burden | 2.92% | 2.85% | 3.10% | 3.32% | 3.86% | 3.43% | 3.07% | 2.99% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.07% | 1.82% | -0.61% | -4.58% | -4.79% | -10.49% | -10.47% | -7.95% | -337 bps | |
| Loan Growth (YoY) | -1.67% | 2.68% | -5.43% | -11.22% | -13.08% | -10.04% | -3.34% | -6.91% | +432 bps | |
| Deposit Growth (YoY) | -2.41% | 1.04% | -0.94% | -5.38% | -5.21% | -11.25% | -11.41% | -9.14% | -376 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 | -0.06% | -0.06% | 10.23% | 5.37% | 4.25% | 3.02% | -0.11% | -0.07% | -544 bps | |
| Allowance / Loans | 4.33% | 4.45% | 2.69% | 2.85% | 2.74% | 3.58% | 3.65% | 3.90% | +105 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 | 11.03% | 11.14% | 11.03% | 10.90% | 11.08% | 11.23% | +9 bps | |
| Total Risk-Based Capital | 14.04% | 14.44% | 15.20% | 16.33% | 16.49% | 15.90% | 15.89% | 17.51% | +118 bps | |
| Equity / Assets | 11.46% | 11.43% | 11.61% | 11.80% | 11.85% | 12.38% | 12.81% | 12.90% | +110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.81% | 85.29% | 80.16% | 79.49% | 79.60% | 86.45% | 87.46% | 81.44% | +195 bps | |
| Liquid Assets / Assets | 4.38% | 6.02% | 7.39% | 7.12% | 5.92% | 3.98% | 3.71% | 10.85% | +373 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |