Nashville, TN · Charter 68075
Q3 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.61% | -1.40% | -1.03% | -0.75% | -0.47% | -1.17% | -0.11% | -0.21% | +54 bps | |
| Return on Equity | -1.68% | -4.13% | -3.06% | -2.27% | -1.31% | -3.34% | -0.32% | -0.64% | +164 bps | |
| Net Interest Margin | 3.92% | 3.81% | 3.72% | 3.81% | 4.21% | 4.81% | 4.22% | 4.22% | +42 bps | |
| Efficiency Ratio | 133.62% | 132.96% | 121.04% | 115.28% | 108.23% | 97.02% | 110.37% | 108.96% | -632 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.60% | 7.54% | 3.82% | 3.97% | -1.11% | -4.20% | 2.94% | 0.72% | -325 bps | |
| Loan Growth (YoY) | 18.63% | 9.50% | 22.56% | 10.49% | 10.69% | 11.59% | 22.87% | 23.66% | +1,317 bps | |
| Share Growth (YoY) | 35.69% | 10.76% | 6.83% | 7.61% | -1.03% | -5.58% | 4.41% | 1.12% | -649 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 2.90% | 0.10% | 0.00% | 0.00% | 0.27% | 0.00% | 0.22% | +22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.20% | 0.24% | 0.38% | 0.36% | 0.34% | 0.90% | 0.03% | 0.06% | -30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 36.05% | 33.95% | 33.68% | 32.91% | 35.99% | 35.05% | 32.74% | 32.65% | -26 bps | |
| Net Worth / Assets | 36.05% | 33.95% | 33.68% | 32.91% | 35.99% | 35.05% | 32.74% | 32.65% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.85% | 77.26% | 77.49% | 77.82% | 94.90% | 91.31% | 91.19% | 95.16% | +1,734 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |