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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.13% | 0.01%1 | 0.12%1 | -0.66% | 0.00% | -213 bps | |
| Return on Equity | 20.43% | 0.07% | 1.10% | -6.27% | 0.00% | -2,043 bps | |
| Net Interest Margin | 3.84% | 3.66% | 3.90% | 3.37% | 3.47% | -38 bps | |
| Efficiency Ratio | 54.84% | 103.90% | 99.23% | 109.79% | 93.76% | +3,892 bps | |
| Non-Interest Burden | 1.76% | 3.83% | 3.87% | 3.77% | 3.20% | +144 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.66% | 2.53% | 4.40% | 3.77% | -1.60% | -1,726 bps | |
| Loan Growth (YoY) | 2.82% | -7.96% | -12.65% | -13.98% | -12.53% | -1,536 bps | |
| Deposit Growth (YoY) | 17.85% | 3.02% | 4.44% | 4.13% | -1.78% | -1,963 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.87% | 5.79% | 5.16% | 7.87% | 6.18% | +131 bps | |
| Net Charge-Offs / Loans | 0.15% | -0.05% | 0.66% | 0.82% | 0.70% | +55 bps | |
| Allowance / Loans | 1.28% | 1.43% | 1.27% | 1.18% | 1.28% | 0 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.2x | 0.2x | 0.2x | 0.2x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.56% | 10.35% | 10.21% | 9.87% | 9.82% | -74 bps | |
| Total Risk-Based Capital | 17.17% | 10.35% | 10.21% | 9.87% | 9.82% | -735 bps | |
| Equity / Assets | 10.53% | 10.43% | 10.69% | 10.35% | 10.73% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.35% | 73.11% | 69.20% | 65.91% | 67.10% | -825 bps | |
| Liquid Assets / Assets | 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 |