Brentwood, TN · Cert 58209
FDIC · 4 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Brentwood, TN · Cert 58209
FDIC · 4 branches
Q1 2015
Market Position · Nashville-Davidson-Murfreesboro-Franklin, TN · 2014 SOD (annual) · 0.8% share · #22 of 65 inst. · $0.3B of $44.1B
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.83% | 0.85% | 1.11% | 1.02% | 0.93% | 0.92% | 0.53% | -58 bps | |
| Return on Equity | 7.36% | 8.19% | 8.37% | 10.80% | 10.21% | 9.45% | 9.36% | 5.59% | -521 bps | |
| Net Interest Margin | 3.97% | 3.97% | 3.96% | 3.71% | 3.63% | 3.48% | 3.55% | 3.57% | -14 bps | |
| Efficiency Ratio | 78.15% | 75.01% | 76.43% | 80.46% | 81.68% | 86.72% | 84.66% | 80.78% | +32 bps | |
| Non-Interest Burden | 2.97% | 2.82% | 2.89% | 2.92% | 2.90% | 2.97% | 2.88% | 2.56% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.58% | 9.61% | -0.01% | 6.63% | 16.21% | 16.26% | 16.94% | 21.01% | +1,438 bps | |
| Loan Growth (YoY) | -0.67% | 5.50% | -1.43% | 3.09% | 12.64% | 14.14% | 18.86% | 15.36% | +1,227 bps | |
| Deposit Growth (YoY) | -2.80% | 3.60% | -12.26% | -2.42% | 10.33% | 11.52% | 15.38% | 23.16% | +2,558 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 | -0.23% | -0.36% | -0.39% | -0.18% | -0.12% | -0.11% | -0.09% | -0.06% | +11 bps | |
| Allowance / Loans | 2.84% | 2.87% | 2.95% | 2.76% | 2.49% | 2.22% | 2.14% | 2.17% | -59 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 | n/a | n/a | n/a | n/a | n/a | 9.53% | n/a | n/a |
| Total Risk-Based Capital | 13.58% | 13.64% | 13.93% | 14.15% | 13.46% | 13.81% | 13.45% | 12.22% | -193 bps | |
| Equity / Assets | 10.22% | 10.04% | 10.14% | 10.36% | 9.63% | 9.53% | 9.68% | 9.29% | -107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.92% | 95.73% | 99.72% | 96.57% | 93.85% | 97.98% | 102.73% | 90.46% | -611 bps | |
| Liquid Assets / Assets | 10.48% | 8.54% | 8.44% | 8.71% | 9.51% | 8.27% | 7.79% | 6.27% | -243 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |