Tullahoma, TN · Cert 58105
FDIC · 4 branches
Q1 2018
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2017 SOD (annual) · 0.1% share · #55 of 64 inst. · $0.0B 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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.95% | 1.05% | 1.05% | 1.11% | 1.19% | +24 bps | |
| Return on Equity | 9.32% | 10.18% | 9.86% | 10.25% | 10.70% | +138 bps | |
| Net Interest Margin | 3.56% | 3.71% | 3.62% | 3.76% | 3.67% | +12 bps | |
| Efficiency Ratio | 58.71% | 58.48% | 58.69% | 56.93% | 60.70% | +199 bps | |
| Non-Interest Burden | 1.86% | 1.94% | 1.91% | 1.89% | 2.00% | +14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.48% | 9.44% | 3.73% | 1.65% | -3.45% | -1,194 bps | |
| Loan Growth (YoY) | 17.11% | 13.29% | 4.37% | 5.65% | -1.66% | -1,877 bps | |
| Deposit Growth (YoY) | 7.62% | 8.13% | 0.81% | 0.58% | -4.14% | -1,176 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.02% | 0.00% | 0.27% | 0.08% | +4 bps | |
| Allowance / Loans | 1.10% | 1.10% | 1.10% | 1.05% | 1.06% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.65% | 9.89% | 9.93% | 10.27% | 10.71% | +106 bps | |
| Total Risk-Based Capital | 12.14% | 12.36% | 12.69% | 12.72% | 13.64% | +150 bps | |
| Equity / Assets | 10.29% | 10.34% | 10.94% | 10.77% | 11.42% | +113 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.91% | 88.87% | 93.19% | 91.32% | 93.27% | +235 bps | |
| Liquid Assets / Assets | 1.68% | 4.23% | 1.73% | 2.93% | 1.71% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |