Franklin, TN · Cert 58714
FDIC · 17 branches
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 30, 2020, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Franklin, TN · Cert 58714
FDIC · 17 branches
Q2 2020
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2020 SOD (annual) · 3.9% share · #7 of 63 inst. · $3.1B of $81.0B
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 0.98% | 0.58% | 0.61% | 0.82% | 0.54% | 0.22% | 0.76% | +15 bps | |
| Return on Equity | 11.92% | 10.24% | 5.70% | 5.80% | 7.54% | 4.90% | 1.79% | 6.19% | +39 bps | |
| Net Interest Margin | 2.64% | 2.62% | 2.71% | 2.79% | 2.89% | 3.05% | 2.96% | 3.09% | +30 bps | |
| Efficiency Ratio | 53.48% | 55.63% | 60.14% | 57.86% | 56.82% | 57.61% | 59.45% | 55.97% | -189 bps | |
| Non-Interest Burden | 1.25% | 1.31% | 1.51% | 1.46% | 1.49% | 1.59% | 1.55% | 1.38% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.91% | 10.47% | 3.78% | -2.28% | -8.45% | -8.30% | -10.61% | -7.36% | -508 bps | |
| Loan Growth (YoY) | 20.53% | 17.98% | 21.79% | 16.82% | 11.23% | 6.69% | 2.45% | -1.78% | -1,860 bps | |
| Deposit Growth (YoY) | 19.21% | 8.26% | -1.18% | -7.44% | -9.24% | -6.52% | -5.47% | -0.11% | +733 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.15% | 0.21% | 0.42% | 0.16% | 0.11% | 0.97% | 0.95% | 0.86% | +69 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.09% | 0.56% | 0.47% | 0.35% | 2.77% | 1.65% | +109 bps | |
| Allowance / Loans | 0.88% | 0.88% | 0.98% | 0.94% | 0.93% | 1.59% | 1.32% | 1.33% | +39 bps | |
| Allowance Coverage of NPLs | 5.7x | 4.1x | 2.3x | 5.8x | 8.5x | 1.6x | 1.4x | 1.6x | -4.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.02% | 10.07% | 10.11% | 10.61% | 11.19% | 11.67% | 11.50% | 11.85% | +124 bps | |
| Total Risk-Based Capital | 14.84% | 14.76% | 13.89% | 13.72% | 14.57% | 14.81% | 11.50% | 11.85% | -187 bps | |
| Equity / Assets | 9.84% | 10.07% | 10.38% | 11.10% | 12.20% | 11.91% | 12.23% | 12.64% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.00% | 77.91% | 85.22% | 92.37% | 93.15% | 88.93% | 92.36% | 90.83% | -154 bps | |
| Liquid Assets / Assets | 7.77% | 8.63% | 9.24% | 5.95% | 4.05% | 5.00% | 3.96% | 5.59% | -36 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |