Adamsville, TN · Cert 9188
FDIC · 1 branch
Q2 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.81% | 1.16% | 1.13% | 0.95% | 1.34% | 1.23% | 0.41% | -72 bps | |
| Return on Equity | 7.28% | 6.89% | 10.09% | 9.79% | 8.15% | 11.28% | 10.09% | 3.23% | -656 bps | |
| Net Interest Margin | 3.80% | 3.92% | 4.18% | 4.08% | 4.06% | 4.09% | 3.95% | 3.83% | -25 bps | |
| Efficiency Ratio | 67.49% | 66.27% | 64.21% | 67.73% | 68.71% | 61.38% | 61.74% | 58.91% | -882 bps | |
| Non-Interest Burden | 2.47% | 2.49% | 2.55% | 2.68% | 2.69% | 2.40% | 2.36% | 2.16% | -52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.15% | 9.14% | 6.07% | 1.24% | 1.95% | 0.48% | 0.53% | 2.39% | +116 bps | |
| Loan Growth (YoY) | 15.36% | 13.63% | 3.26% | 2.01% | 5.66% | 1.77% | 0.25% | -5.85% | -786 bps | |
| Deposit Growth (YoY) | 13.50% | 9.58% | 6.40% | 0.91% | 1.95% | 0.06% | -0.60% | 1.29% | +38 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.12% | 0.87% | 0.70% | 0.85% | 0.65% | 0.60% | 0.45% | 0.38% | -47 bps | |
| Net Charge-Offs / Loans | -0.44% | 0.44% | -0.02% | -0.02% | 0.10% | 0.00% | -0.06% | -0.02% | 0 bps | |
| Allowance / Loans | 2.13% | 2.02% | 2.02% | 1.98% | 1.89% | 1.97% | 2.01% | 2.13% | +15 bps | |
| Allowance Coverage of NPLs | 1.9x | 2.3x | 2.9x | 2.3x | 2.9x | 3.3x | 4.5x | 5.6x | +3.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.70% | 11.72% | 11.87% | 12.04% | 12.62% | 12.33% | 12.66% | 12.50% | +46 bps | |
| Total Risk-Based Capital | 22.28% | 21.98% | 22.46% | 22.78% | 22.56% | 23.39% | 24.08% | 24.77% | +199 bps | |
| Equity / Assets | 11.76% | 11.68% | 11.35% | 11.64% | 11.72% | 12.02% | 12.43% | 12.63% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.67% | 60.80% | 59.77% | 61.85% | 63.92% | 61.83% | 60.29% | 57.49% | -436 bps | |
| Liquid Assets / Assets | 16.84% | 14.14% | 14.37% | 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 | n/a | n/a | n/a |