Adamsville, TN · Cert 9188
FDIC · 1 branch
Q2 2019
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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.15% | 1.08% | 1.15% | 1.23% | 0.82% | -33 bps | |
| Return on Equity | 9.92% | 9.32% | 9.81% | 10.09% | 6.61% | -331 bps | |
| Net Interest Margin | 4.12% | 4.15% | 4.08% | 3.95% | 3.86% | -27 bps | |
| Efficiency Ratio | 65.93% | 66.84% | 65.47% | 61.74% | 60.33% | -560 bps | |
| Non-Interest Burden | 2.61% | 2.67% | 2.56% | 2.36% | 2.24% | -38 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.24% | 1.95% | 0.48% | 0.53% | 2.39% | +116 bps | |
| Loan Growth (YoY) | 2.01% | 5.66% | 1.77% | 0.25% | -5.85% | -786 bps | |
| Deposit Growth (YoY) | 0.91% | 1.95% | 0.06% | -0.60% | 1.29% | +38 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.85% | 0.65% | 0.60% | 0.45% | 0.38% | -47 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.02% | 0.02% | -0.06% | -0.04% | -2 bps | |
| Allowance / Loans | 1.98% | 1.89% | 1.97% | 2.01% | 2.13% | +15 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.9x | 3.3x | 4.5x | 5.6x | +3.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.04% | 12.62% | 12.33% | 12.66% | 12.50% | +46 bps | |
| Total Risk-Based Capital | 22.78% | 22.56% | 23.39% | 24.08% | 24.77% | +199 bps | |
| Equity / Assets | 11.64% | 11.72% | 12.02% | 12.43% | 12.63% | +98 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.85% | 63.92% | 61.83% | 60.29% | 57.49% | -436 bps | |
| Liquid Assets / Assets | 15.54% | 12.22% | 11.33% | 10.52% | 8.38% | -716 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |