Chattanooga, TN · Cert 58507
FDIC · 4 branches
Q2 2015
Market Position · Chattanooga, TN-GA · 2015 SOD (annual) · 6.6% share · #4 of 28 inst. · $0.6B of $9.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.68% | 1.10% | 0.97% | 1.07% | +33 bps | |
| Return on Equity | 7.28% | 6.65% | 10.80% | 9.52% | 10.86% | +359 bps | |
| Net Interest Margin | 3.56% | 3.66% | 3.65% | 3.65% | 3.71% | +15 bps | |
| Efficiency Ratio | 59.64% | 57.67% | 57.35% | 59.66% | 56.96% | -267 bps | |
| Non-Interest Burden | 1.98% | 1.94% | 1.93% | 2.03% | 1.97% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.48% | 14.04% | 12.34% | 9.64% | 19.33% | +585 bps | |
| Loan Growth (YoY) | 25.31% | 22.34% | 23.02% | 23.45% | 31.66% | +636 bps | |
| Deposit Growth (YoY) | 10.06% | 15.13% | 13.98% | 11.91% | 23.66% | +1,360 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.35% | 0.76% | 0.65% | 0.05% | -0.05% | -41 bps | |
| Allowance / Loans | 1.25% | 1.23% | 1.00% | 0.96% | 0.89% | -36 bps | |
| Allowance Coverage of NPLs | 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 | 10.48% | 9.93% | n/a | |
| Total Risk-Based Capital | 13.71% | 13.03% | 12.66% | 11.55% | 10.76% | -295 bps | |
| Equity / Assets | 10.35% | 10.12% | 10.24% | 10.18% | 9.56% | -79 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.25% | 85.99% | 91.98% | 91.08% | 93.97% | +571 bps | |
| Liquid Assets / Assets | 0.62% | 0.27% | 0.36% | 0.71% | 0.48% | -14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |