Holly Springs, MS · Cert 10588
FDIC · 3 branches
Q2 2021
Market Position · Memphis, TN-MS-AR · 2021 SOD (annual) · 0.3% share · #36 of 51 inst. · $0.1B of $40.8B
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 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.68% | 0.48% | 0.47% | 0.39% | 0.49% | 0.47% | 0.39% | -8 bps | |
| Return on Equity | 5.56% | 6.12% | 4.14% | 4.01% | 3.37% | 4.20% | 4.28% | 3.58% | -42 bps | |
| Net Interest Margin | 3.23% | 3.37% | 2.93% | 2.80% | 2.89% | 3.00% | 2.73% | 2.68% | -12 bps | |
| Efficiency Ratio | 93.07% | 92.23% | 93.01% | 95.09% | 94.23% | 89.99% | 82.68% | 84.39% | -1,070 bps | |
| Non-Interest Burden | 2.97% | 3.06% | 2.69% | 2.64% | 2.69% | 2.65% | 2.19% | 2.20% | -44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.72% | -2.51% | -0.01% | 1.88% | 4.40% | 9.44% | 11.99% | 9.21% | +732 bps | |
| Loan Growth (YoY) | 2.41% | -5.87% | -10.56% | -8.39% | -3.17% | -0.29% | -1.79% | -4.33% | +407 bps | |
| Deposit Growth (YoY) | -0.25% | -0.53% | -1.28% | 0.98% | 4.10% | 9.82% | 13.19% | 10.21% | +924 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.62% | 1.57% | 1.32% | 1.23% | 1.14% | 1.25% | 1.24% | 1.22% | -1 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.04% | -0.03% | -0.04% | -0.02% | -0.02% | -0.02% | -0.05% | -2 bps | |
| Allowance / Loans | 0.82% | 0.86% | 0.89% | 0.88% | 0.84% | 0.88% | 0.93% | 0.96% | +7 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.7x | 0.7x | 0.7x | 0.7x | 0.7x | 0.8x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.17% | 11.73% | 10.99% | 10.91% | 11.28% | 11.51% | 10.32% | 11.06% | +15 bps | |
| Total Risk-Based Capital | 18.86% | 20.14% | 10.99% | 10.91% | 11.28% | 11.51% | 10.32% | 11.06% | +15 bps | |
| Equity / Assets | 11.80% | 12.15% | 11.25% | 11.62% | 11.89% | 11.74% | 10.27% | 10.84% | -78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.32% | 63.19% | 54.75% | 56.80% | 60.76% | 57.37% | 47.50% | 49.31% | -749 bps | |
| Liquid Assets / Assets | 4.25% | 5.15% | 9.26% | 9.83% | 5.57% | 10.09% | 19.33% | 17.34% | +751 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |