Mason, TN · Cert 9956
FDIC · 4 branches
Q1 2016
Market Position · Memphis, TN-MS-AR · 2015 SOD (annual) · 0.1% share · #49 of 56 inst. · $0.0B of $27.0B
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.55% | -1.67% | -1.98% | -6.63% | -6.91% | -4.01% | -4.71% | -34.25% | -2,762 bps | |
| Return on Equity | -35.36% | -22.63% | -29.63% | -221% | -306% | -168.43% | -212% | 1444% | +166,454 bps | |
| Net Interest Margin | 2.43% | 2.40% | 2.40% | 1.95% | 2.12% | 2.21% | 2.09% | 1.96% | +1 bps | |
| Efficiency Ratio | 114.00% | 108.47% | 108.49% | 156.01% | 137.51% | 117.16% | 120.59% | 393% | +23,703 bps | |
| Non-Interest Burden | 4.82% | 3.97% | 4.01% | 8.57% | 7.51% | 5.21% | 5.91% | 30.65% | +2,208 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.84% | -13.65% | -9.46% | -10.64% | -16.69% | -14.69% | -28.65% | -30.55% | -1,991 bps | |
| Loan Growth (YoY) | -15.56% | -24.43% | 11.79% | 15.69% | -4.22% | -9.74% | -38.88% | -37.11% | -5,280 bps | |
| Deposit Growth (YoY) | -16.62% | -15.18% | -5.05% | -5.93% | -10.31% | -10.28% | -19.80% | -16.92% | -1,099 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 | 0.09% | 0.13% | 0.05% | 0.09% | 2.49% | 2.03% | 1.56% | 0.00% | -9 bps | |
| Allowance / Loans | 1.31% | 1.46% | 1.56% | 1.63% | 2.34% | 2.77% | 3.20% | 5.65% | +402 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 | n/a | 2.12% | 0.55% | 2.70% | 1.18% | -6.20% | -832 bps | |
| Total Risk-Based Capital | 4.99% | 6.03% | 6.48% | 5.04% | 2.21% | 6.06% | 3.78% | -11.14% | -1,618 bps | |
| Equity / Assets | 7.78% | 7.99% | 3.72% | 2.24% | 0.58% | 2.77% | 1.41% | -6.49% | -873 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.29% | 54.63% | 75.20% | 74.10% | 65.46% | 54.96% | 57.31% | 56.09% | -1,801 bps | |
| Liquid Assets / Assets | 22.39% | 21.86% | 11.32% | 12.12% | 13.69% | 14.67% | 6.12% | 4.73% | -738 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |