Byhalia, MS · Cert 11432
FDIC · 3 branches
Q3 2020
Market Position · Memphis, TN-MS-AR · 2020 SOD (annual) · 0.2% share · #41 of 53 inst. · $0.1B of $39.2B
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 1.30% | 1.14% | 1.12% | 0.92% | 0.70% | 0.83% | 0.67% | -45 bps | |
| Return on Equity | 6.37% | 10.73% | 9.25% | 8.92% | 7.30% | 5.57% | 6.67% | 5.43% | -349 bps | |
| Net Interest Margin | 3.82% | 3.96% | 3.98% | 3.94% | 3.81% | 3.57% | 3.43% | 3.31% | -63 bps | |
| Efficiency Ratio | 73.46% | 78.21% | 74.99% | 72.78% | 76.98% | 77.49% | 72.51% | 77.90% | +512 bps | |
| Non-Interest Burden | 2.53% | 2.89% | 2.77% | 2.62% | 2.73% | 2.57% | 2.26% | 2.40% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.04% | 2.60% | 1.09% | 2.72% | 4.18% | 2.26% | 11.37% | 13.84% | +1,112 bps | |
| Loan Growth (YoY) | 3.73% | 6.96% | 0.24% | -5.07% | -8.21% | -8.42% | -2.72% | 6.02% | +1,110 bps | |
| Deposit Growth (YoY) | 1.03% | 1.94% | -0.20% | 1.40% | 3.45% | 1.71% | 12.10% | 15.59% | +1,419 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.20% | 1.69% | 0.65% | 0.63% | 0.61% | 0.14% | 0.39% | 0.38% | -25 bps | |
| Net Charge-Offs / Loans | 0.32% | 0.03% | 0.06% | 0.07% | 0.07% | 0.15% | 0.13% | 0.18% | +11 bps | |
| Allowance / Loans | 0.74% | 0.75% | 0.82% | 0.95% | 1.01% | 1.03% | 1.00% | 0.95% | 0 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.4x | 1.3x | 1.5x | 1.6x | 7.3x | 2.6x | 2.5x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.11% | 12.28% | 12.48% | 12.81% | 12.31% | 12.35% | 12.15% | 12.06% | -74 bps | |
| Total Risk-Based Capital | 22.63% | 23.03% | 24.01% | 26.42% | 26.13% | 28.30% | 12.15% | 12.06% | -1,436 bps | |
| Equity / Assets | 12.15% | 12.10% | 12.81% | 13.15% | 12.78% | 12.47% | 12.25% | 12.00% | -116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.16% | 60.17% | 60.48% | 56.17% | 55.15% | 54.18% | 52.49% | 51.52% | -465 bps | |
| Liquid Assets / Assets | 11.04% | 13.41% | 13.90% | 17.48% | 16.77% | 18.72% | 18.79% | 22.64% | +517 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |