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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.19% | -0.46% | -0.35% | 0.63% | 0.64% | +82 bps | |
| Return on Equity | -1.60% | -3.90% | -2.96% | 5.02% | 5.03% | +663 bps | |
| Net Interest Margin | 3.79% | 3.87% | 4.11% | 4.15% | 4.07% | +27 bps | |
| Efficiency Ratio | 88.70% | 100.26% | 86.71% | 78.23% | 77.80% | -1,090 bps | |
| Non-Interest Burden | 3.32% | 3.86% | 3.43% | 3.07% | 2.99% | -33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.58% | -4.79% | -10.49% | -10.47% | -7.95% | -337 bps | |
| Loan Growth (YoY) | -11.22% | -13.08% | -10.04% | -3.34% | -6.91% | +432 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 5.37% | 4.25% | 3.02% | -0.11% | -0.07% | -544 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.14% | 11.03% | 10.90% | 11.08% | 11.23% | +9 bps | |
| Total Risk-Based Capital | 16.33% | 16.49% | 15.90% | 15.89% | 17.51% | +118 bps | |
| Equity / Assets | 11.80% | 11.85% | 12.38% | 12.81% | 12.90% | +110 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.49% | 79.60% | 86.45% | 87.46% | 81.44% | +195 bps | |
| Liquid Assets / Assets | 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 |