Dayton, TN · Cert 19272
FDIC · 6 branches
Q4 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2020, the quarter ended December 31, 2020, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Dayton, TN · Cert 19272
FDIC · 6 branches
Q4 2020
Market Position · Chattanooga, TN-GA · 2020 SOD (annual) · 1.1% share · #15 of 27 inst. · $0.1B of $12.2B
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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.51% | 0.87% | 0.60% | 1.00% | 0.01%1 | 0.06%1 | -0.18% | -0.14% | -114 bps | |
| Return on Equity | 13.57% | 7.96% | 5.52% | 9.30% | 0.07% | 0.58% | -1.74% | -1.30% | -1,060 bps | |
| Net Interest Margin | 4.54% | 4.33% | 4.15% | 3.98% | 3.66% | 3.75% | 3.58% | 3.54% | -44 bps | |
| Efficiency Ratio | 68.72% | 81.21% | 87.16% | 79.32% | 103.90% | 101.52% | 104.13% | 101.54% | +2,222 bps | |
| Non-Interest Burden | 2.86% | 3.37% | 3.51% | 3.00% | 3.83% | 3.82% | 3.76% | 3.60% | +61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.47% | 18.66% | 19.16% | 15.66% | 2.53% | 4.40% | 3.77% | -1.60% | -1,726 bps | |
| Loan Growth (YoY) | 23.69% | 19.15% | 13.97% | 2.82% | -7.96% | -12.65% | -13.98% | -12.53% | -1,536 bps | |
| Deposit Growth (YoY) | 14.34% | 19.94% | 20.19% | 17.85% | 3.02% | 4.44% | 4.13% | -1.78% | -1,963 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.62% | 1.67% | 2.04% | 4.87% | 5.79% | 5.16% | 7.87% | 6.18% | +131 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | -0.12% | -0.06% | -0.05% | 0.31% | 0.48% | 0.54% | +60 bps | |
| Allowance / Loans | 1.19% | 1.16% | 1.28% | 1.28% | 1.43% | 1.27% | 1.18% | 1.28% | 0 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.6x | 0.3x | 0.2x | 0.2x | 0.2x | 0.2x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.33% | 10.75% | 10.34% | 10.56% | 10.35% | 10.21% | 9.87% | 9.82% | -74 bps | |
| Total Risk-Based Capital | 16.76% | 15.95% | 16.06% | 17.17% | 10.35% | 10.21% | 9.87% | 9.82% | -735 bps | |
| Equity / Assets | 10.98% | 10.68% | 10.30% | 10.53% | 10.43% | 10.69% | 10.35% | 10.73% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.83% | 82.75% | 79.80% | 75.35% | 73.11% | 69.20% | 65.91% | 67.10% | -825 bps | |
| Liquid Assets / Assets | 5.65% | 5.74% | 10.05% | 15.92% | 10.93% | 10.42% | 11.26% | 11.20% | -472 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |