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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.52% | 0.46% | 0.39% | 0.26% | -24 bps | |
| Return on Equity | 5.01% | 5.32% | 4.73% | 3.98% | 2.85% | -215 bps | |
| Net Interest Margin | 3.28% | 3.33% | 3.34% | 3.20% | 3.17% | -11 bps | |
| Efficiency Ratio | 84.27% | 85.71% | 86.10% | 87.74% | 90.94% | +668 bps | |
| Non-Interest Burden | 2.75% | 2.85% | 2.88% | 2.80% | 2.89% | +14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.36% | 7.28% | 10.18% | 5.76% | 2.20% | -616 bps | |
| Loan Growth (YoY) | 9.01% | 14.14% | 13.23% | 8.26% | 7.48% | -154 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | -0.15% | -0.01% | 0.00% | 0.01% | 0.00% | +15 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.07% | 8.98% | 9.03% | 8.72% | 6.51% | -256 bps | |
| Total Risk-Based Capital | 12.82% | 12.63% | 12.54% | 12.16% | 9.11% | -371 bps | |
| Equity / Assets | 9.49% | 9.96% | 9.67% | 9.69% | 7.05% | -244 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.20% | 91.57% | 85.27% | 89.92% | 95.38% | +718 bps | |
| Liquid Assets / Assets | 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 |