Maury City, TN · Cert 6106
FDIC · 6 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Maury City, TN · Cert 6106
FDIC · 6 branches
Q2 2016
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2016 SOD (annual) · 1.9% share · #12 of 65 inst. · $1.0B of $52.2B
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.59% | 0.67% | 0.69% | 0.72% | 0.75% | 0.68% | 0.74% | +5 bps | |
| Return on Equity | 6.69% | 6.45% | 6.81% | 6.94% | 7.14% | 7.50% | 6.96% | 7.53% | +59 bps | |
| Net Interest Margin | 3.03% | 2.99% | 3.13% | 3.11% | 3.07% | 3.01% | 3.15% | 3.14% | +4 bps | |
| Efficiency Ratio | 71.18% | 71.77% | 71.33% | 69.07% | 68.03% | 67.19% | 67.30% | 67.48% | -159 bps | |
| Non-Interest Burden | 1.99% | 1.99% | 2.05% | 1.93% | 1.87% | 1.80% | 1.91% | 1.94% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.79% | 12.14% | 10.04% | 12.65% | 13.85% | 16.82% | 16.26% | 13.78% | +112 bps | |
| Loan Growth (YoY) | 26.75% | 24.68% | 16.75% | 16.71% | 26.16% | 19.98% | 28.32% | 22.80% | +609 bps | |
| Deposit Growth (YoY) | 22.32% | 16.48% | 10.64% | 8.57% | 9.77% | 18.02% | 18.42% | 13.53% | +497 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 | 0.00% | 0.05% | 0.00% | 0.05% | 0.08% | 0.06% | -0.02% | -0.01% | -7 bps | |
| Allowance / Loans | 1.28% | 1.18% | 1.16% | 1.16% | 1.16% | 1.16% | 1.13% | 1.13% | -3 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 | 10.64% | 10.41% | 10.20% | 10.05% | 9.77% | 9.89% | -52 bps | |
| Total Risk-Based Capital | 12.49% | 11.80% | 13.68% | 13.03% | 12.72% | 12.23% | 11.53% | 11.52% | -151 bps | |
| Equity / Assets | 9.21% | 9.18% | 10.53% | 10.15% | 10.19% | 9.80% | 9.82% | 9.89% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.16% | 87.72% | 91.81% | 93.87% | 92.13% | 89.18% | 99.49% | 101.53% | +766 bps | |
| Liquid Assets / Assets | 5.36% | 0.32% | 1.74% | 0.38% | 0.51% | 2.06% | 1.19% | 2.33% | +195 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |