Flomaton, AL · Cert 1746
FDIC · 1 branch
Q3 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | 0.37% | 1.06% | 0.30% | -0.49% | 0.45% | 0.04%1 | -0.80% | -111 bps | |
| Return on Equity | 0.04% | 2.45% | 6.91% | 1.91% | -3.08% | 2.83% | 0.27% | -5.22% | -712 bps | |
| Net Interest Margin | 3.21% | 3.27% | 3.36% | 3.19% | 3.11% | 3.28% | 2.88% | 2.73% | -46 bps | |
| Efficiency Ratio | 96.84% | 90.54% | 90.38% | 91.69% | 109.94% | 89.00% | 100.66% | 121.53% | +2,984 bps | |
| Non-Interest Burden | 3.09% | 2.91% | 2.98% | 2.88% | 3.47% | 2.85% | 2.90% | 3.41% | +53 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.78% | 2.99% | 3.08% | 1.87% | 2.07% | -2.43% | 3.98% | 7.37% | +550 bps | |
| Loan Growth (YoY) | 6.10% | 7.94% | 10.40% | 6.52% | 3.84% | 7.28% | 0.01% | 0.46% | -606 bps | |
| Deposit Growth (YoY) | -0.62% | 2.55% | 2.13% | 0.42% | 0.95% | -3.50% | 4.05% | 8.52% | +810 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.22% | 2.46% | 2.18% | 3.16% | 2.97% | 2.83% | 2.87% | 2.86% | -30 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.25% | -1.45% | 0.00% | 0.67% | -0.03% | 0.74% | 0.01% | +1 bps | |
| Allowance / Loans | 1.87% | 1.76% | 1.65% | 1.67% | 1.49% | 1.43% | 1.41% | 1.50% | -16 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 0.8x | 0.5x | 0.5x | 0.5x | 0.5x | 0.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.09% | 15.32% | 15.36% | 15.76% | 15.66% | 15.50% | 15.18% | 14.40% | -136 bps | |
| Total Risk-Based Capital | 37.13% | 37.94% | 37.84% | 34.84% | 34.63% | 15.50% | 15.18% | 14.40% | -2,045 bps | |
| Equity / Assets | 15.20% | 14.72% | 15.86% | 15.89% | 16.13% | 15.62% | 15.79% | 14.99% | -90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.37% | 43.57% | 45.47% | 44.72% | 45.64% | 48.44% | 43.70% | 41.40% | -332 bps | |
| Liquid Assets / Assets | 0.49% | 0.54% | 0.04% | 0.14% | 0.24% | 0.33% | 0.36% | 0.41% | +27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |