Memphis, TN · Cert 16511
FDIC · 1 branch
Q3 2021
Market Position · Memphis, TN-MS-AR · 2021 SOD (annual) · 0.3% share · #38 of 51 inst. · $0.1B of $40.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.05% | -1.06% | -0.80% | 2.18% | -5.53% | -448 bps | |
| Return on Equity | -10.09% | -10.40% | -8.26% | 23.26% | -63.51% | -5,342 bps | |
| Net Interest Margin | 2.33% | 3.55% | 2.79% | 2.60% | 2.61% | +28 bps | |
| Efficiency Ratio | 121.85% | 119.08% | 109.64% | 62.65% | 263% | +14,127 bps | |
| Non-Interest Burden | 2.90% | 4.21% | 3.03% | 0.37% | 8.14% | +524 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.06% | 19.90% | 16.88% | 9.61% | 8.79% | -426 bps | |
| Loan Growth (YoY) | 9.85% | 3.04% | 0.71% | -0.85% | -7.32% | -1,717 bps | |
| Deposit Growth (YoY) | 15.53% | 24.23% | 20.72% | 11.03% | 10.11% | -542 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.53% | 1.63% | 1.68% | 1.88% | 1.88% | -65 bps | |
| Net Charge-Offs / Loans | 0.10% | 1.35% | -0.08% | -0.05% | -0.17% | -27 bps | |
| Allowance / Loans | 3.32% | 3.11% | 3.49% | 3.40% | 3.62% | +29 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.9x | 2.1x | 1.8x | 1.9x | +0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.96% | 7.77% | 7.45% | 7.56% | 5.99% | -197 bps | |
| Total Risk-Based Capital | 14.91% | 14.32% | 14.38% | 14.11% | 12.30% | -261 bps | |
| Equity / Assets | 10.39% | 9.99% | 9.48% | 9.26% | 8.15% | -224 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 58.71% | 55.66% | 52.87% | 50.56% | 49.41% | -930 bps | |
| Liquid Assets / Assets | 0.10% | 0.10% | 0.10% | 0.09% | 0.09% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |