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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.73% | 0.79% | 0.77% | 0.74% | 0.83% | 0.97% | 1.02% | +25 bps | |
| Return on Equity | 5.77% | 6.87% | 7.79% | 7.53% | 7.24% | 8.16% | 9.52% | 10.21% | +268 bps | |
| Net Interest Margin | 3.50% | 3.47% | 3.53% | 3.53% | 3.51% | 3.43% | 3.65% | 3.54% | +2 bps | |
| Efficiency Ratio | 68.19% | 64.55% | 61.80% | 60.70% | 59.64% | 59.03% | 59.66% | 58.26% | -245 bps | |
| Non-Interest Burden | 2.26% | 2.11% | 2.06% | 2.01% | 1.96% | 1.89% | 2.03% | 1.92% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.96% | 6.16% | 11.79% | 13.48% | 14.04% | 12.34% | 9.64% | 19.33% | +585 bps | |
| Loan Growth (YoY) | 27.61% | 27.11% | 31.38% | 25.31% | 22.34% | 23.02% | 23.45% | 31.66% | +636 bps | |
| Deposit Growth (YoY) | 4.01% | 1.82% | 10.16% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.63% | 0.45% | -0.02% | 0.17% | 0.36% | 0.42% | 0.05% | 0.00% | -17 bps | |
| Allowance / Loans | 1.18% | 1.22% | 1.25% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 10.48% | 9.93% | n/a | |
| Total Risk-Based Capital | 14.72% | 14.59% | 14.10% | 13.71% | 13.03% | 12.66% | 11.55% | 10.76% | -295 bps | |
| Equity / Assets | 10.53% | 10.29% | 9.97% | 10.35% | 10.12% | 10.24% | 10.18% | 9.56% | -79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.92% | 85.22% | 82.57% | 88.25% | 85.99% | 91.98% | 91.08% | 93.97% | +571 bps | |
| Liquid Assets / Assets | 1.81% | 1.71% | 2.10% | 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 | n/a | n/a | n/a |