Nashville, TN · Cert 58040
FDIC · 2 branches
Q1 2018
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2017 SOD (annual) · 0.2% share · #42 of 64 inst. · $0.1B of $57.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.68% | 0.34% | 3.86% | 0.83% | 0.74% | 0.24% | -0.44% | -430 bps | |
| Return on Equity | 4.09% | 4.96% | 2.55% | 29.39% | 5.99% | 5.13% | 1.64% | -3.00% | -3,240 bps | |
| Net Interest Margin | 3.39% | 3.81% | 3.77% | 3.38% | 3.49% | 3.35% | 3.35% | 3.51% | +13 bps | |
| Efficiency Ratio | 81.22% | 75.53% | 88.35% | 69.01% | 62.62% | 66.08% | 65.52% | 108.85% | +3,985 bps | |
| Non-Interest Burden | 2.73% | 2.85% | 3.32% | 2.31% | 2.16% | 2.19% | 2.17% | 3.83% | +151 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.15% | 16.30% | 15.31% | 22.76% | 6.70% | 1.89% | -1.81% | -8.27% | -3,103 bps | |
| Loan Growth (YoY) | 50.64% | 50.56% | 42.61% | 36.29% | 7.23% | -4.48% | -2.71% | -20.48% | -5,677 bps | |
| Deposit Growth (YoY) | 2.77% | 12.66% | 16.67% | 23.42% | 3.72% | 5.39% | 1.81% | -3.30% | -2,672 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.48% | 0.00% | 0.00% | 0.00% | 0.00% | -48 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0.57% | +59 bps | |
| Allowance / Loans | 1.26% | 1.18% | 1.21% | 1.25% | 1.32% | 1.33% | 1.29% | 1.49% | +24 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 2.6x | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.58% | 14.20% | 13.94% | 13.58% | 13.78% | 14.22% | 14.34% | 14.68% | +110 bps | |
| Total Risk-Based Capital | 19.41% | 17.83% | 17.91% | 19.05% | 20.49% | 18.83% | 18.64% | 20.86% | +181 bps | |
| Equity / Assets | 14.08% | 13.47% | 12.91% | 13.36% | 14.39% | 14.36% | 14.56% | 14.72% | +136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.18% | 101.80% | 100.18% | 95.71% | 97.36% | 92.26% | 95.73% | 78.71% | -1,700 bps | |
| Liquid Assets / Assets | 0.70% | 0.70% | 0.65% | 0.76% | 0.81% | 0.77% | 0.76% | 0.77% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |