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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.74% | 0.77% | 0.80% | 0.72% | 1.17% | 1.15% | 1.14% | +34 bps | |
| Return on Equity | 8.50% | 7.69% | 7.86% | 8.19% | 7.34% | 11.96% | 11.83% | 11.72% | +353 bps | |
| Net Interest Margin | 3.29% | 3.30% | 3.31% | 3.36% | 3.37% | 3.64% | 3.57% | 3.56% | +20 bps | |
| Efficiency Ratio | 63.99% | 65.44% | 64.59% | 64.37% | 62.78% | 59.03% | 59.36% | 59.23% | -514 bps | |
| Non-Interest Burden | 2.02% | 2.08% | 2.06% | 2.08% | 2.03% | 2.07% | 2.04% | 2.03% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.15% | 1.77% | -2.30% | 0.91% | 2.04% | 1.26% | 6.72% | 4.35% | +343 bps | |
| Loan Growth (YoY) | 1.80% | 4.18% | -1.04% | -3.48% | 1.54% | 2.72% | 10.16% | 10.26% | +1,374 bps | |
| Deposit Growth (YoY) | 2.01% | 1.90% | 0.30% | 2.77% | 1.73% | 4.05% | 1.82% | 1.54% | -123 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.10% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.09% | -0.02% | 0.18% | 0.12% | 0.08% | -0.03% | -0.03% | -0.02% | -14 bps | |
| Allowance / Loans | 1.70% | 1.67% | 1.63% | 1.62% | 1.59% | 1.55% | 1.49% | 1.49% | -13 bps | |
| Allowance Coverage of NPLs | n/a | 17.1x | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.70% | 9.79% | 9.84% | 9.95% | 9.99% | 10.03% | 9.95% | 10.24% | +29 bps | |
| Total Risk-Based Capital | 14.95% | 14.66% | 15.36% | 15.53% | 15.31% | 15.18% | 14.99% | 15.36% | -17 bps | |
| Equity / Assets | 9.79% | 9.53% | 9.91% | 9.81% | 9.88% | 9.64% | 9.53% | 9.82% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.09% | 80.83% | 78.43% | 77.24% | 80.94% | 79.79% | 84.86% | 83.87% | +663 bps | |
| Liquid Assets / Assets | 1.42% | 1.55% | 2.03% | 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 | n/a | n/a | n/a |