Union City, TN · Cert 9199
FDIC · 5 branches
Q4 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.56% | 0.54% | 0.56% | 0.56% | 0.57% | 0.58% | 0.72% | +16 bps | |
| Return on Equity | 5.38% | 5.31% | 5.14% | 5.35% | 5.25% | 5.32% | 5.42% | 6.72% | +138 bps | |
| Net Interest Margin | 3.39% | 3.39% | 3.43% | 3.38% | 3.33% | 3.36% | 3.38% | 3.25% | -13 bps | |
| Efficiency Ratio | 80.04% | 80.11% | 80.52% | 81.03% | 78.86% | 79.27% | 78.99% | 78.46% | -257 bps | |
| Non-Interest Burden | 2.53% | 2.53% | 2.58% | 2.56% | 2.43% | 2.48% | 2.48% | 2.36% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.09% | 1.16% | 2.53% | 2.78% | 4.36% | 4.17% | 6.62% | -0.35% | -313 bps | |
| Loan Growth (YoY) | 5.96% | 4.82% | 0.38% | 5.30% | 2.02% | 1.44% | -1.44% | -8.17% | -1,347 bps | |
| Deposit Growth (YoY) | -1.78% | 0.57% | 1.93% | 2.70% | 4.65% | 3.74% | 6.94% | -0.54% | -324 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 | -0.18% | -0.27% | -0.15% | -0.33% | -0.64% | -0.32% | -0.21% | -0.04% | +29 bps | |
| Allowance / Loans | 2.52% | 2.60% | 2.55% | 2.68% | 2.93% | 2.93% | 2.97% | 2.96% | +28 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 | 10.64% | 10.61% | 10.83% | 10.77% | 10.68% | 10.77% | 10.87% | 10.91% | +14 bps | |
| Total Risk-Based Capital | 18.79% | 18.85% | 18.31% | 17.92% | 18.39% | 18.42% | 18.58% | 19.54% | +162 bps | |
| Equity / Assets | 10.67% | 10.41% | 10.70% | 10.52% | 10.66% | 10.92% | 10.66% | 10.75% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.79% | 62.46% | 62.90% | 62.86% | 60.24% | 61.07% | 57.97% | 58.04% | -482 bps | |
| Liquid Assets / Assets | 2.02% | 2.17% | 2.59% | 2.52% | 2.42% | 2.60% | 2.44% | 2.60% | +9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |