Maryville, TN · Cert 58591
FDIC · 3 branches
Q3 2018
Market Position · Knoxville, TN · 2018 SOD (annual) · 1.1% share · #13 of 46 inst. · $0.2B of $17.1B
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 0.72% | 1.17% | 1.15% | 1.14% | +34 bps | |
| Return on Equity | 8.19% | 7.34% | 11.96% | 11.83% | 11.72% | +353 bps | |
| Net Interest Margin | 3.36% | 3.37% | 3.64% | 3.57% | 3.56% | +20 bps | |
| Efficiency Ratio | 64.37% | 62.78% | 59.03% | 59.36% | 59.23% | -514 bps | |
| Non-Interest Burden | 2.08% | 2.03% | 2.07% | 2.04% | 2.03% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.91% | 2.04% | 1.26% | 6.72% | 4.35% | +343 bps | |
| Loan Growth (YoY) | -3.48% | 1.54% | 2.72% | 10.16% | 10.26% | +1,374 bps | |
| Deposit Growth (YoY) | 2.77% | 1.73% | 4.05% | 1.82% | 1.54% | -123 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.08% | -0.03% | -0.03% | -0.02% | -14 bps | |
| Allowance / Loans | 1.62% | 1.59% | 1.55% | 1.49% | 1.49% | -13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.95% | 9.99% | 10.03% | 9.95% | 10.24% | +29 bps | |
| Total Risk-Based Capital | 15.53% | 15.31% | 15.18% | 14.99% | 15.36% | -17 bps | |
| Equity / Assets | 9.81% | 9.88% | 9.64% | 9.53% | 9.82% | +1 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.24% | 80.94% | 79.79% | 84.86% | 83.87% | +663 bps | |
| Liquid Assets / Assets | 2.98% | 1.30% | 1.74% | 1.33% | 1.26% | -173 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |