Kingsport, TN · Cert 58467
FDIC · 6 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 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.
Kingsport, TN · Cert 58467
FDIC · 6 branches
Q4 2016
Market Position · Kingsport-Bristol-Bristol, TN-VA · 2016 SOD (annual) · 3.1% share · #11 of 30 inst. · $0.1B of $4.3B
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.49% | 0.50% | 0.50% | 0.52% | 0.46% | 0.39% | 0.26% | -24 bps | |
| Return on Equity | 4.32% | 4.77% | 4.92% | 5.01% | 5.32% | 4.73% | 3.98% | 2.85% | -215 bps | |
| Net Interest Margin | 3.45% | 3.43% | 3.38% | 3.28% | 3.33% | 3.34% | 3.20% | 3.17% | -11 bps | |
| Efficiency Ratio | 85.32% | 83.98% | 84.24% | 84.27% | 85.71% | 86.10% | 87.74% | 90.94% | +668 bps | |
| Non-Interest Burden | 2.94% | 2.87% | 2.84% | 2.75% | 2.85% | 2.88% | 2.80% | 2.89% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.23% | 41.79% | 3.65% | 8.36% | 7.28% | 10.18% | 5.76% | 2.20% | -616 bps | |
| Loan Growth (YoY) | 29.08% | 28.98% | 1.62% | 9.01% | 14.14% | 13.23% | 8.26% | 7.48% | -154 bps | |
| Deposit Growth (YoY) | 31.47% | 36.98% | -2.77% | 3.12% | 2.61% | 10.77% | 7.41% | -0.61% | -374 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% | 0.00% | -0.21% | -0.15% | -0.01% | 0.00% | 0.01% | 0.00% | +15 bps | |
| Allowance / Loans | 0.92% | 0.93% | 1.01% | 0.98% | 0.98% | 1.00% | 0.96% | 0.96% | -2 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 | 9.36% | 9.41% | 9.31% | 9.07% | 8.98% | 9.03% | 8.72% | 6.51% | -256 bps | |
| Total Risk-Based Capital | 13.43% | 13.17% | 13.03% | 12.82% | 12.63% | 12.54% | 12.16% | 9.11% | -371 bps | |
| Equity / Assets | 10.45% | 10.06% | 9.89% | 9.49% | 9.96% | 9.67% | 9.69% | 7.05% | -244 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.32% | 83.42% | 89.20% | 88.20% | 91.57% | 85.27% | 89.92% | 95.38% | +718 bps | |
| Liquid Assets / Assets | 1.93% | 1.50% | 0.33% | 1.53% | 0.11% | 5.49% | 0.58% | 0.13% | -140 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |